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This paper presents a Zero\u2010Knowledge Succinct Non\u2010Interactive Argument of Knowledge (Zk\u2010SNARK) enabled blockchain framework deployed on the Polygon Proof of Stake (PoS) network for secure and privacy\u2010preserving health insurance processing. The proposed architecture integrates Attribute\u2010Based Encryption (ABE) for data confidentiality and the Elliptic Curve Digital Signature Algorithm (ECDSA) for authentication, ensuring end\u2010to\u2010end data integrity and access control. Experimental evaluation on the Polygon PoS testbed demonstrates a transaction cost of approximately $0.002, which is over 99% lower than Ethereum's 3\u201310 $ per transaction, while maintaining 100% resistance to data tampering, replay attacks, and transaction manipulation. Under the Polygon real network, the proposed framework supports a network\u2010level transaction capacity of up to 7000 transactions per second (TPS) under nominal operating conditions, with an approximately 9.3% reduction in effective capacity under stress scenarios, while maintaining 100% verification accuracy for all Zk\u2010SNARK proofs. The average on\u2010chain verification and settlement latency was measured at 4.7\u2009s, confirming the system's suitability for real\u2010time healthcare claim settlement. These results validate that the proposed Zk\u2010SNARK enabled Polygon PoS framework offers a scalable, cost\u2010efficient, and cryptographically robust solution for healthcare insurance automation, outperforming existing blockchain implementations across security, efficiency, and economic performance metrics.<\/jats:p>","DOI":"10.1002\/cpe.70607","type":"journal-article","created":{"date-parts":[[2026,2,20]],"date-time":"2026-02-20T11:52:34Z","timestamp":1771588354000},"update-policy":"https:\/\/doi.org\/10.1002\/crossmark_policy","source":"Crossref","is-referenced-by-count":0,"title":["Zero\u2010Knowledge Proof Enabled Blockchain Smart Contracts for Efficient Health Insurance System"],"prefix":"10.1002","volume":"38","author":[{"given":"Adla","family":"Sanober","sequence":"first","affiliation":[{"name":"Department of Computer Science and Engineering Birla Institute of Technology  Ranchi Jharkhand India"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Shamama","family":"Anwar","sequence":"additional","affiliation":[{"name":"Department of Computer Science and Engineering Birla Institute of Technology  Ranchi Jharkhand India"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"311","published-online":{"date-parts":[[2026,2,20]]},"reference":[{"key":"e_1_2_10_2_1","doi-asserted-by":"publisher","DOI":"10.1109\/MITP.2021.3071534"},{"key":"e_1_2_10_3_1","doi-asserted-by":"publisher","DOI":"10.1002\/jhrm.21414"},{"key":"e_1_2_10_4_1","doi-asserted-by":"publisher","DOI":"10.1007\/s12083-024-01668-0"},{"key":"e_1_2_10_5_1","doi-asserted-by":"publisher","DOI":"10.1007\/s12083-023-01506-9"},{"key":"e_1_2_10_6_1","unstructured":"S.KingandS.Nadal \u201cPpcoin: Peer\u2010to\u2010Peer Crypto\u2010Currency With Proof\u2010of\u2010Stake \u201d Self\u2010Published Paper 2012 August 19(1)."},{"key":"e_1_2_10_7_1","unstructured":"S.Nakamoto \u201cBitcoin A: Peer\u2010to\u2010Peer Electronic Cash System \u201d Bitcoin 2008 4(2):15 https:\/\/bitcoin.org\/bitcoin.pdf."},{"key":"e_1_2_10_8_1","doi-asserted-by":"publisher","DOI":"10.1109\/MCC.2018.011791712"},{"key":"e_1_2_10_9_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-70501-5_13"},{"key":"e_1_2_10_10_1","doi-asserted-by":"publisher","DOI":"10.12688\/f1000research.10531.5"},{"key":"e_1_2_10_11_1","doi-asserted-by":"publisher","DOI":"10.1007\/s12083-023-01521-w"},{"key":"e_1_2_10_12_1","doi-asserted-by":"publisher","DOI":"10.1109\/NTMS.2018.8328731"},{"key":"e_1_2_10_13_1","first-page":"2","volume-title":"A Next\u2010Generation Smart Contract and Decentralized Application Platform","author":"Buterin V.","year":"2014"},{"key":"e_1_2_10_14_1","doi-asserted-by":"publisher","DOI":"10.1007\/s10916-018-0996-4"},{"key":"e_1_2_10_15_1","doi-asserted-by":"publisher","DOI":"10.1109\/FiCloudW.2019.00027"},{"key":"e_1_2_10_16_1","doi-asserted-by":"publisher","DOI":"10.1109\/SP.2014.36"},{"key":"e_1_2_10_17_1","first-page":"781","volume-title":"23rd USENIX Security Symposium (USENIX Security 14)","author":"Ben\u2010Sasson E.","year":"2014"},{"key":"e_1_2_10_18_1","doi-asserted-by":"publisher","DOI":"10.1109\/ICAI50593.2020.9311371"},{"key":"e_1_2_10_19_1","doi-asserted-by":"publisher","DOI":"10.1109\/IATMSI60426.2024.10502670"},{"key":"e_1_2_10_20_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.iswa.2023.200177"},{"key":"e_1_2_10_21_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.comnet.2021.108586"},{"key":"e_1_2_10_22_1","doi-asserted-by":"publisher","DOI":"10.3390\/su13169386"},{"key":"e_1_2_10_23_1","doi-asserted-by":"publisher","DOI":"10.1109\/SP.2016.55"},{"key":"e_1_2_10_24_1","doi-asserted-by":"publisher","DOI":"10.1109\/Blockchain.2019.00020"},{"key":"e_1_2_10_25_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.comcom.2022.08.007"},{"key":"e_1_2_10_26_1","doi-asserted-by":"publisher","DOI":"10.51903\/jtie.v4i1.296"},{"key":"e_1_2_10_27_1","doi-asserted-by":"crossref","unstructured":"M.Hao K.Qian andS. 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