STEMC stem cell medical ecological platform is a smart medical platform based on the basic science of biological cytology based on blockchain technology. Provide services to users, medical institutions, scientific research institutions and third parties around the industry through five functional modules: Oread, Otrade, Oeducation, Oresearch, and Oinsure. Among them, the Oinsure module is the short board faced by STEMC in order to further improve the stem cell therapy. According to the design of "one person is sick, everyone shares the same", a mutual help community has been created to create a cost-effective, inclusive, inheritable, "Global Link" mutual aid medical insurance without geographical restrictions.