So how should health notification be verified?
Before applying for insurance, the insurance company will ask the insured to provide some information for verification, such as providing recent inspection reports and so on.
After the accident, the insurance company will conduct relevant investigations. If it is found that key information such as health status is not truthfully informed or concealed, then this insurance is invalid and will not be compensated.
(1) inpatient medical records
Let's take a look at the picture below.
The conclusion is that the insurance company has the right to investigate the hospitalization records of the insured, because when we sign an insurance contract, it often involves the authorization of the insurance company.
When an insurance company thinks there is something suspicious about a claim settlement case, then he can go to the hospital to get the medical records.
If the insurance company finds that the health condition informed by the insured at that time is inconsistent with the actual hospital treatment record, and it will affect the settlement result, the insurance company is likely to refuse to pay compensation.
(2) Records of social security cards
We usually use social security cards more, and we will record what diseases we have seen and what medicines we have bought.
These records are private and will not be made public in principle, but insurance companies have the right to investigate when necessary.
(3) Information exchange between insurance companies
The insurance industry itself is a relatively mobile industry, and investigators between insurance companies often exchange information with each other.
Dad concluded:
Generally speaking, health information is very necessary and must be told truthfully.