The social security card records everyone's reimbursement and consumption records in detail by querying the medical records of social security or rural cooperative medical care. 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.
Extended data
The insurance company did not "check our medical history when insuring". On the contrary, before the insurance, the insurance company has made a series of underwriting and restrictions. For example, critical illness insurance and medical insurance know whether the customer has been hospitalized, whether there are abnormal health risks, and whether there have been claims. Through "health notification", the medical history that does not meet the insurance requirements can be ruled out and the underwriting risk can be controlled.
If you conduct a comprehensive survey of medical history information of every customer who is interested in insurance, the cost will undoubtedly be very high, and this part of the cost can only be reflected in the premium you pay. However, if it is changed to a risk survey, not everyone will take risks, and not everyone will cheat insurance, thus greatly reducing the number of customers surveyed and saving money and effort.