Can the insurance company find the medical records?

Insurance companies can check medical records. Under normal circumstances, when underwriting, the insurance company will not investigate the health information of the insured, and the insured needs to tell it truthfully. Only when the claim is settled, the insured will authorize the insurance company to investigate.

There are two main forms of claims investigation by insurance companies. One is the insurance company's own claims investigation team; The other is to outsource the claim investigation to a professional investigation company. So the insurance company can definitely check the medical records.

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Precautions for insurance:

Read the terms of the policy carefully to make sure you understand it. Pay attention to check whether the insurance contract received is complete. In addition to the insurance policy, it usually includes insurance clauses, cash value table, customer protection table, payment voucher, rate table and other documents.

Keep the insurance policy properly: put the insurance policy in a safe and reliable place and write down the company name, insurance type name, policy number and insurance amount. If it is lost or damaged, you can apply for loss reporting and replacement. The insurance policy is the main proof that you buy life insurance. Insurance policies must be submitted when claiming compensation from life insurance companies and applying for changing contract contents or other services.

Check the insurance policy regularly: according to your insurance demand, payment ability and inflation, regularly check whether the purchased life insurance products still meet the current demand, and consider increasing or decreasing the insured amount if necessary.

Abide by the notification obligation: notify the life insurance company in time after an insurance accident or change of address.

References:

Baidu encyclopedia-insurance company