Provided are an insurance recommendation method, system and apparatus based on a health portrait and a medium. On the basis that a user actively fills and uploads personal identity information and static health information, a large amount of long-time dynamic health information of the user is obtained from a block chain or the Internet, information collection is completed, the workload of the user is relatively small, the user experience is better, and the information collection is more comprehensive; summary analysis is performed after completing information collection, a health portrait including a major disease risk probability assessment set is generated, then reimbursement information of a plurality of insurance products associated with major diseases with higher risk probabilities is obtained, reimbursement fees of the insurance products are determined, sequencing is conducted to generate an insurance product list, and finally, the insurance product list is returned to a user terminal, so that the user can quickly find the insurance products which are suitable for himself / herself and high in cost performance, the experience feeling of the user is further enhanced, the achievement rate of insurance policies is correspondingly improved, and the promotion efficiency of the insurance products is improved.