How to verify health notification? What are the consequences of concealing health information? 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 it is not truthfully told, will it conceal its health status? And other key information, then this insurance will be invalid and will not be compensated.
1, health survey method
(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, we often involve 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) Entrust a third party to conduct the investigation.
When an insurance company encounters special circumstances, it will generally entrust a third-party agency to conduct an investigation. This institution has professional investigation ability, which can find the information needed by insurance companies more accurately and quickly.
(4) 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.
For some suspicious cases, the insurance company will send investigators to communicate to see if the insured has insurance records and claims records.
2. Which cases will insurance companies be more alert to?
(1) Centralized insurance for a period of time.
For example, if a person who has never bought insurance before suddenly buys multiple life insurances within a period of time, and the insured amount is still very high, then the insurance company will doubt this person's insurance motivation and conduct an investigation.
(2) The claim amount is relatively high.
For some cases with high claims, insurance companies usually treat them with caution, and the whole investigation process may take longer than ordinary cases.
(3) Out of danger in a short time
For example, Xiaohong bought herself a critical illness insurance and applied to the insurance company just after the waiting period. Then the insurance company has reason to doubt whether Xiaohong is insured with illness at this time, and the investigation will be relatively careful.