Abstract: Fintech is not only the upgrade of internet finance, digital technology represented by blockchain technology will have a disruptive impact on the industry.So, the discussion of the innovation drive of blockchain technology to the insurance industry should be based on specific business practices and limitations.The paper focuses on an innovative model: crowd funding insurance, which has attracted more attention because of its universality.Big data technology and blockchain have begun to be applied in crowd funding platforms, and be accepted with high esteem.However, the combination of block chains and crowd funding insurance still in its infancy.The paper discusses the theory of mutual insurance, analyzes a typical case of mutual funding on medical costs through internet, and explains the irreplaceable role blockchain technology plays in it.On this basis, the paper explores the problems and enlightenment we are facing for further development based on the market situation and operation mode, and then puts forward the conception of mutual insurance integration system based on blockchain.