Sometimes the insurance company thinks that there is nothing wrong with your health notification and will not spend too much money to check it. At this time, there is such a question: "Is it intentional to check the insurance without checking the medical history? 》
So in the final analysis, it is still necessary for the insured to tell the truth.
1. Why should the insurance company check?
In fact, we have already carried out "investigation authorization" when we insured.
This means that once the insurance contract is signed, the insurance company has the right to investigate our medical records from various channels.
2. How does the insurance company check?
Besides going to the hospital, some professional private institutions are also very popular. For example: Mei Nianda Health, Aikang, Ciming, etc.
So, how did the insurance company investigate?
Networking with hospitals: All medical records, including outpatient and hospitalization, can be found through ID cards.
Field investigation: check the hospitals and medical institutions that the insured may go to one by one.
3. Will you be refused compensation for concealing abnormal medical examination?
1) hide small problems
If a minor problem is concealed and no health notification is involved, it will generally not affect the claim settlement.
2) Concealing high-risk diseases
Nodules, hypertension and other diseases have to be strictly examined by insurance companies, and health information is generally inquired. If you don't tell the truth, if there is a related claim later, it is likely to be rejected.
Dad concluded that as long as you tell the truth, you don't need to worry about not paying for it when you are in danger.