In recent years, the demand for personal medical help has gradually increased, and many difficult patients seek assistance through personal medical help internet platforms. At the same time, the personal critical illness assistance industry has also received attention and attention from people, playing an increasingly important role in the multi-level medical security system. Experts have stated that platforms such as major illness fundraising platforms, combined with various methods such as fast payment, help severely ill patients and families in distress more conveniently and quickly release and disseminate help seeking information. Recently, a roundtable interview on the "Ways and Regulations of Serious Illness Fundraising Platforms" was held in Beijing, where industry experts provided suggestions and suggestions on topics such as personal serious illness assistance and standardized and healthy development of market-oriented operation platforms. The personal serious illness fundraising platform is actually a market-oriented innovation. However, in reality, many public often hold misconceptions about this online fundraising activity, viewing it as a purely public welfare behavior, believing that the services it provides are free of charge, ignoring the entrepreneurial operating characteristics behind it, as well as the costs and investments behind it. "said Xu Yongguang, Honorary Chairman of the Nandu Foundation. Xu Yongguang further explained that the personal illness fundraising platform has broken through the boundaries of traditional charity based on community and acquaintances, allowing individuals to seek help beyond the limitations of space and time. The platform provides services, pays costs, and can also charge a certain fee to maintain operations, but at the same time, it must be transparent and open. Jin Jinping, director of the non-profit organization law research center at Peking University Law School, also agrees with covering operating costs by charging a certain fee, The provision of services by individual major illness relief platforms itself comes with costs. Charging a certain fee during the operation process is more of a cost sharing consideration, with the aim of enabling the business to continue, rather than for commercial profit. "Huang Ximing, Assistant Dean of the China Institute of Public Welfare and Director of the Charity Research Center at Beijing Normal University, proposed that the Internet major illness fundraising platform relies on the operation of market-oriented institutions, This is different from charitable organizations' internet public fundraising information platforms. It does not have institutional legal responsibilities and regulations. It should follow the laws of the market and respond promptly to the needs of individual society for help. At the policy level, there should also be some space for cautious and inclusive management. Wang Wei, Director of the Civil and Commercial Economic Law Office of the Political and Legal Department of the Central Party School (National School of Administration), proposed a separate account management approach using the "compulsory traffic insurance" operation model as an example. Public welfare compulsory traffic insurance can be entrusted to commercial insurance institutions, but a separate account management model should be adopted, separating compulsory traffic insurance and commercial insurance. The pricing of compulsory traffic insurance should adopt the principle of no profit, no loss. This separate account management model and the principle of no profit, no loss pricing are also applicable to personal serious illness fundraising platforms. During the discussion, many experts recognized the value played by the major illness assistance platform, pointing out that it has become an important supplement to the social medical insurance system and can help more and more impoverished patients. In addition, as a market-oriented innovative operation model, experts generally believe that more development space should be given to the personal serious illness assistance industry, and they understand that the platform charges a certain fee. However, the key is that the fee information must be open and transparent, and the reasonableness of the fee collection should be explained to the public