1. Hospital: In addition to hospitals, insurance companies will also check the hospitals where they may go at work and residence to avoid the occurrence of disease insurance;
2. Face-to-face interview: Face-to-face communication with the relevant personnel of the case to understand the whole process of the case, screen the details, find contradictions and errors, and then verify the situation;
3, physical examination institutions: including the reports of hospitals and professional physical examination institutions, paying special attention to the annual routine physical examination of the unit, so everyone often says not to have a physical examination before buying;
4. Medical insurance: the use of medical insurance cards, including pharmacy purchase records and hospitalization records. Many problems are borrowing medical insurance cards;
5. Government medical institutions: including village health stations, CDC, Family Planning Commission, census records, etc.
6. Other channels: peer claims consultation and entrusting a third-party investigation agency to inquire.
Why can insurance companies obtain information through the above channels? Because when we apply for insurance, we will sign the authorization of the insurance company to obtain personal information and documents. If you agree, you can successfully insure. At this point, you have granted this right to the insurance company.
In addition, according to the Case Management System, insurance institutions have the right to accept the relevant case materials of the insured according to law, and insurance companies have departments responsible for investigation. When making claims, they will investigate the information provided, such as social security records, hospital case records, and visits to the accident site. , they can reasonably bring up the information they need. They will strictly control claims to prevent consumers from insuring and cheating.
Since 20 17, China has implemented the management standard of electronic medical records, which requires that outpatient medical records be kept for at least 15 years and inpatient medical records for at least 30 years. However, there are some blind spots for insurance companies to query medical records, and insurance companies have not shared information with all hospitals.
Finally, the insurance contract clearly stipulates the terms of truthful disclosure, so that bona fide insurance can enjoy better protection responsibility.