The invention discloses a mobile phone appointment guiding payment system for medical diagnosis, comprising a mobile phone termination, a server, a hospital information system and a bank, social security and third party payment interface, wherein the hospital information system comprises an appointment registration subsystem and a medical expense payment subsystem; the mobile phone termination is connected with the server in a communication way; the server is connected with the hospital information system and the bank, social security and third party payment interface in a wireless communication way; and the mobile phone termination comprises an out-patient appointment module, a diagnosis guiding module and a medical expense payment module, wherein the out-patient appointment module is used for importing the appointment registration subsystem of the hospital information system after identity authentication and displaying through a user interface and selecting an appointment, the diagnosis guiding module is used for displaying medical expense information and diagnosis steps and guiding a user to pay medical expenses according to the diagnosis steps and finish the diagnosis process, and the medical expense payment module is used for binding various bank cards or third part payment account numbers and communicating with the medical expense payment subsystem to finish medical expense payment subsystem. The mobile phone appointment guiding payment system is convenient to operate, high in work efficiency and strong in practical applicability.