The invention provides a method, a device and a server for settling claims of commercial insurance, wherein, the method is applied to a commercial insurance service platform. The method comprises thefollowing steps of: receiving authorization information of a user through a user terminal; screening out the hospitalization information of the user from the hospitalization information of the patientuploaded by the medical institution in a preset time according to the authorization information, and sending the screening information to the commercial insurance company to judge whether the user needs to pay the compensation in advance, and if so, according to the hospitalization information, the expense list and the insurance liability information of the purchased insurance product, paying thecompensation in advance; receiving settlement information from medical institutions to enable commercial insurance companies to settle claims and obtain payment; receiving indemnity fee and feedbackto medical institution for settlement of discharge fee to complete indemnity. The invention enables the user to obtain the prepaid compensation money during hospitalization and settle the compensationexpense in real time after discharge, simplifies the compensation flow of the commercial insurance, improves the compensation efficiency and lightens the pressure on the user to seek medical treatment.