To develop a java based health care system that involves electronic medical records stored both on smart card and remote servers as well as integrating the same with insurance companies that offer medical insurance and hospital billing systems. The system shall consist of card holder module, health professional card management module, the card application management module, the Insurance management module and the billing module. The system shall hold the patient medical records, shall segregate access of these records based on the health professional card holder access rights, the system shall employ a switching mechanism between different health providers databases and also different Insurance companies databases. The system shall emulate the VISA card switching mechanism of different banks in which case the banks shall be replaced by insurance companies. The system shall be centrally hosted and should be able to run a secure internet protocols. The client systems and card access devices shall be located at the health providers stations, the switch programs and the card management systems shall be hosted centrally, for big health providers, the should be a connection to the WAN but for smaller ones, they should be able to transact over the Internet. The objective is to create essential portable medical records to be held within the smart card but also to create relevant medical records that will be held with the remote servers which will be accessed easily and online whenever the patient/card holder visits a health care provider.