Points to note: 1. Tell the doctor that I have commercial insurance. 2. If it is caused by an accident, the doctor must write down the cause of the accident in the medical record. 3. Ask the doctor to pay attention to the wording and try not to write the following words: congenit

Important points to note

1. Tell the doctor I have commercial insurance

2. If it is caused by an accident, the doctor must write down the cause of the accident in the medical record.

3. Please pay attention to your wording, and try not to write the following words: congenital, native, N years ago, relapse...

4. Never write about injuries caused by others. Those caused by a third party must be handled by the third party. Third party compensation.

5. You must go to a public hospital, preferably Level 2 or above. This is very important. Private clinics cannot reimburse you.

6. All information provided by the hospital is an important basis for the insurance company's claims department to determine whether a claim should be settled. Please fill in and save it carefully.

7. No matter what accident occurs, please be sure to contact your insurance agent as soon as possible so that you can determine the key points for reporting and treatment as soon as possible.

In terms of death benefits,

In terms of death benefits, medical records are not necessary evidence for claims settlement.

Life insurance policies generally have a claim reminder in the insurance contract. Death compensation generally requires the following information:

1, valid insurance contract;

2, death certificate of the insured;

3, beneficiary identity certificate and bank account number;

4, claim application form.

In terms of medical/disease compensation

In medical insurance or disease insurance claims, medical records play a great role.

If there is an error, it will affect the claim settlement decision (but whether to deny compensation at all depends on whether other evidence fully proves or falsifies the insured accident).

For example, I, Wang Xiaoshuai, was hospitalized for acute enteritis. After recovering, I applied for medical expense claims from the insurance company, but the medical record submitted was signed Zhang Xiaoshuai . In other words, the evidence I presented failed to support my claim.

It is reasonable for the insurance company to refuse compensation. But if I can ask the hospital and doctor to prove that it was a clerical error, the insurance company will pay the claim.

If there is a writing error in the medical record, it can be modified in accordance with the " basic specification for writing medical records " (Health Medical Administration [2010] No. 11, effective on March 1, 2010). There is no need to go to war:

During the writing process of medical records When a typo occurs, a double line should be used to mark the typo, the original record should be kept clear and legible, the time of modification should be noted, and the signature of the person who modified it should be noted. shall not use scraping, sticking, painting or other methods to cover up or remove the original writing.

Finally, I need to explain that in practice, insurance companies are really not afraid of claims! Because all risks have been actuarially calculated beforehand, liability reserves have been withdrawn in advance.

Salespeople who have claims cases are willing to help handle them as soon as possible, because the success of each claim is the best case that proves the effectiveness of insurance products.

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