Can I check the hospitalization records with my medical insurance card?

Now social security and major designated hospitals have been networked, and our outpatient and inpatient records can be found.

Since April 1, 20 17, the state has implemented the interim standards for the management of electronic medical records. Outpatient medical records should be kept for at least 15 years, and inpatient medical records should be kept for at least 30 years. Doctors should follow the standard template when writing electronic medical records. This makes it more convenient for us to check our outpatient hospitalization records through the medical insurance card.

Insurance companies investigate medical history, mainly through the following channels:

1, social security card medical record

With the popularization of social security, almost all ordinary employees have a social security, while other flexible employees will join the new rural cooperative medical system even if they don't buy social security.

Therefore, it is the most convenient and commonly used investigation method for insurance companies to obtain the medical records of the insured through social security cards.

The insurance company will use your "social security card" as a window to know all your reimbursement and consumption records, and can check whether you have used the medical insurance card for a long time to buy chronic diseases or anticancer drugs.

Therefore, Kyubi no Youko has repeatedly stressed that social security cards cannot be lent out at will. Otherwise, if you have the wrong medical record, the insurance company will mistakenly think that you have a past history, or take out insurance despite illness, which is not good.

2. Medical records of hospitals or medical institutions

Taking medical insurance reimbursement as a clue, the insurance company will also go to the hospital where you saw a doctor before to collect inpatient and outpatient records and medical records.

According to the basic information such as medical record, chief complaint, medical record, treatment and doctor's advice, comprehensively analyze and judge whether the customer is healthy before insurance.

In addition, the insurance company will also go to the medical institutions where the insured's household registration is located or where he works, conduct investigations and visits, and pay special attention to the routine physical examination of the work unit every year.

Physical examination indicators can intuitively see a person's physical health, but the data can't fool people.

3. Insurance companies enjoy claim records.

Although there is competition among insurance companies, all companies are very cooperative in claims investigation and share their claims data without stint.

Insurance companies can know whether the insured has a claim record or not through identity retrieval, and whether there is a situation of "one hammer in the east and one hammer in the west" to defraud insurance everywhere.

4. Third-party investigation or detective agency

In terms of investigation, insurance companies are unprofessional after all, and it is also possible to track through medical records. If you meet a knowledgeable "insurance fraud specialist", you still have to stop eating.

At this point, the insurance company will hand over the key suspected cases to a professional investigation or detective agency for handling.

These investigations or detective societies will conduct a 360-degree all-round investigation of the case and will not let go of any clues.

Therefore, don't take any chances and try to "fight wits" with insurance companies. Foreign aid is stronger than yours.

Step 5 interview

Interviewing the insured person or beneficiary is the routine operation of insurance companies.

During the interview, the staff of the insurance company will ask the whole process of the case in the form of recording, including all kinds of details.

For example, the insured's medical care, physical health and liabilities and so on.

Once there are inappropriate actions and remarks, they will be caught by professional interviewers and kept as evidence of refusal to pay compensation.

A lot of prejudice comes from ignorance, so there is the old concept of "insurance fraud"

In fact, insurance companies are serious and compliant in selling insurance, and claims investigation is also to prevent people from "defrauding insurance".

For large insurance companies, it really doesn't matter if you lose one more bill.

As long as you fill in the health notice truthfully when you are insured, meet the insurance requirements, and submit the claim materials as required when you are in danger, there will be no problem.