How does the insurance company check hypertension?

 

If the insured suffers from a certain disease , For example, high blood pressure 、 Sugar disease, etc , It is easy to be rejected by the insurance company when applying for Insurance , So some people will hide their history of hypertension from the insurance company , Finally, the insurance company refused to settle the claim after the insurance was invested , So how does the insurance company check hypertension ？

1、 The insurance company will check the medical history by checking the medical records of social security or rural cooperative medical care , Because the social security card records the reimbursement and consumption records in detail , For example, hospitalization information 、 Including outpatient information 、 You can check the social security card when you buy drugs in the pharmacy ;

2、 Inquire through the medical records of the hospital and the experience records of the experience institution , The insurance company is based on the drugs purchased by the insured in the hospital 、 test 、 The medical history of hypertension of the insured is judged by the nursing sheet and other information ;

3、 Check the claim records of peers , Information is often exchanged among investigators of insurance companies , Generally speaking, the claim records of the insured can be known through ID card retrieval ;

4、 Outsourcing to professional investigation companies or detective agencies for in-depth investigation ;

5、 At present, the networking of insurance companies and hospitals is in the pilot stage , After the full networking in the future , Information of the insured in the hospital , The insurance company can inquire at any time .