Can the insurance company find the previous personal medical records?

The insurance company can check the previous personal medical records. Generally speaking, if an insurance company applies for a claim shortly after insurance, and the amount of the claim is high, it will choose a professional investigation company or insurance company to conduct an investigation by a special person. There are many ways to investigate, such as hospitals, CDC, medical institutions, village health stations, medical insurance purchase records and other channels. It is easy to find the personal medical record of the insured, and even the insurance company can determine the area where the insured may seek medical treatment through the social relationship of the insured, so even if the insured seeks medical treatment in other provinces.

An insurance company is an insurer in the form of company organization, which deals in insurance business.

Insurance companies have the right to collect insurance premiums and establish insurance premium funds. At the same time, in the event of an insured accident, it is obliged to compensate the insured for economic losses. The main types of insurance companies are stock insurance companies, mutual insurance companies and exclusive insurance companies.

Main types

Stock insurance company

Similar to joint-stock companies in other industries, joint-stock insurance companies are established by sponsors according to the company law, which stipulates the number of sponsors, the company's debt limit, the types of shares to be issued, taxes, business scope, company power, application procedures, company license, etc. Company organizations in western developed countries are composed of three power groups, namely shareholders, board of directors and senior managers.

mutual insurance company

Mutual insurance company is also a form of company organization, but it is a non-profit company with no shareholders, and the company is owned by the insured. Therefore, the insured has a dual identity, both as the owner and the customer of the company. Shareholders of joint-stock insurance companies are not necessarily customers of the company. As the owner, the insured of the mutual company can participate in the election of the board of directors, and the board of directors appoints the senior management personnel of the company to specialize in the business operation and management of the company. The insured can share the operating results in the form of "dividends".

Exclusive insurance company

Insurance companies established by industrial and commercial enterprises to provide risk insurance or reinsurance for their own enterprises, affiliated enterprises and other affiliated enterprises.

In the process of establishing a "safety net" for the insured, the insurance company inadvertently found that its insured may not have the due ability to resist risks (in view of the fact that the insured believes that the danger belongs to the insurance company). In order to reduce this expenditure, the insurance company stipulates through insurance clauses that if the insured participates in or carries out some activities, the insurance company can reduce its liability.