Purpose/Significance To explore a “pay after treatment” service model for patients with multiple insurances, and to enhance service efficiency. Method/Process Taking internet hospitals as the carrier for external services, a credit-based medical service platform is established. The platform integrates multi-source heterogeneous data and employs a locally deployed large language model to construct a patient credit scoring model. This model accurately assesses the credit levels of patients with multiple insurances, and credit limits will be allocated based on the assessment results for medical treatment payments. Patients can settle the bill in one lump sum after the treatment is completed.Result/Conclusion The model significantly shortens patient waiting time and expands credit-based settlement services to all patient groups, particularly benefiting those with multiple insurances by providing a more streamlined and efficient medical experience.