Doctor-patient confidentiality is of interest to personal insurance companies. Personal insurance accounts for over 80 percent of fraud worldwide. They just don’t care about it. In this article we’re going to talk about medical history disregarded.
Medical history in insurance
If a person goes to an insurance company on his own, claiming a payout, and the insurer has doubts, he can look at his medical history and request the necessary information from the doctor. If the patient has nothing to hide, why not? There are strange cases where a person who brings a certificate that he is healthy as an ox pays a lot of money to insure his health. If we talk about possible abuse, it’s hard to imagine insurance companies checking all citizens, who and what was sick – we absolutely do not need it.
There is also another opinion on this subject. There are a lot of laws and regulations on confidentiality of medical confidentiality now. Doctors clearly comply with them, including when working with the judiciary or other agencies, because they have no right to disclose diagnosis. In the case of providing information to insurance companies, you may encounter data abuse on their part, because it is related to the financial capabilities of these organizations. For example, you can’t get a large mortgage without life insurance, so now a doctor has to report cancer and this will be a reason not to give a loan?
Benefits of private health insurance
No need to stand in line to see a doctor, to be examined with outdated equipment, the inability to purchase life-saving medications, the lack of confidence in the promptness of emergency care – all these reasons can be confidently called significant. Having an insurance policy can be vital in the event of an accident, rapid deterioration of health, or a stressful situation. It is the insurance contract that gives confidence that help will be provided in a timely manner and at a decent level.
It is also worth noting that when choosing an insurance company, you should choose those options that will be the most reliable. If you want your personal data to be protected, then it is important to study the reviews of insurance companies and only after that make a decision to purchase an insurance policy. It makes no sense to buy the services of the first insurance company you find online. You may want to check out several of these companies before making a decision. This will help you avoid mistakes and choose the best insurance policy.