Anyone who has bought insurance knows that when you report a case to the insurance company and apply for a claim, the insurance company will investigate your past medical history. So how do insurance companies investigate customers' medical records?
Generally through the following four ways:
1. By querying the medical records of social security or rural cooperative medical care, the social security card records everyone's reimbursement and consumption records in detail. These records mainly include hospitalization information, including outpatient information, including drug purchases in pharmacies, which can be queried from the medical insurance card consumption records. If the consumption record of social security card is related to major diseases, it will become a hidden danger of underwriting claims in the future.
2. By querying the medical records of hospitals or medical institutions; What medicine did you take, what medical imaging materials did you have, what tests you did, and even the doctor's daily rounds, doctor's orders, nursing sheets, etc. Was completely preserved. Investigators can comprehensively analyze these situations to judge whether the user is healthy before insurance.
3. Inquire about the claims records of companies in the same industry; Investigators from various insurance companies are exchanging the required goods. Generally speaking, the past claims records of the insured can be clearly known through ID card retrieval.
4. Entrust a professional investigation company or detective agency to conduct in-depth investigation. This situation is relatively rare, but it is not excluded that some insurance companies will invite professional third-party investigation companies to conduct investigations.
Can I buy insurance with outpatient records?
It is understood that insurance companies generally check hospitalization records and outpatient medical records to pay attention to the physical condition of the insured. If you buy medicine in an outpatient clinic, one medicine has many indications. Therefore, when paying compensation, the drug purchase record is only suspicious, which increases the probability of investigating claims. If you are sick, the medical records in the clinic, including diagnosis and medication, will be recorded in your name. If the illness is serious, it may affect the purchase of insurance. If someone else swipes the social security card, all medical expenses will be recorded as the health information of the insured. Therefore, lending out the medical insurance card is actually to pass on the medical history of others to yourself, and lending others drugs to treat hypertension and diabetes will be recognized by the "system" as having hypertension and diabetes.