The STEMC Stem Cell Medical Ecosystem Platform is a smart healthcare platform based on blockchain technology, with biological cell science as its foundational science. It serves users, medical institutions, research organizations, and third-party entities in the industry through five functional modules: Oread, Otrade, Oeducation, Oresearch, and Oinsure. Among these, the Oinsure module was created by STEMC to further address the shortcomings faced by stem cell therapy. Designed on the principle of "one person falls ill, everyone shares the cost," it fosters a supportive community that offers a high-value, inclusive, inheritable, and geographically unrestricted "global pass" mutual health insurance.