Electronic medical records are on the line, buying insurance is getting harder and harder!
According to the news released by the National Health and Family Planning Commission, the new regulations for the “Electronic Medical Record Application Management Regulations (Trial)” were officially implemented on April 1. In other words, every patient’s electronic medical record in any hospital in the future will be interconnected in various hospitals after networking, and will remain for 30 years.
For the insured, if there is such a small problem in the body before the insurance, and the medical record is obtained by the insurance company in advance after being connected to the Internet, it may face the premium rate and the probability of refusal. Up. The reason for insuring medical insurance “should be sooner rather than later” may now be added one more.
The electronic medical record will be kept for up to 30 years
According to the National Health and Family Planning Commission, in order to ensure the legitimate rights and interests of both doctors and patients, April From the 1st, China will implement the “Electronic Medical Record Application Management Regulations (Trial)”, and the writing, storage, use and storage of electronic medical records must be carried out in accordance with relevant new regulations.
Electronic medical records refer to digitized information such as words, symbols, charts, graphics, numbers, and images generated by medical personnel during medical activities, and can be stored, managed, transmitted, and reproduced. The medical record is a form of medical record, including the door (emergency) medical record and hospitalized medical record.
According to the new regulations, the electronic medical record of the door (emergency) is kept by the medical institution. The storage time is not less than 15 years from the date of the last visit of the patient; the electronic medical record of the hospital is kept from the patient. Not less than 30 years from the date of the last discharge.
Each medical patient who sees a doctor in any hospital in the future will be connected to each hospital after networking and will be kept for 30 years. Because insurance companies’ medical insurance claims have been closely linked to the applicant’s medical records and medical records, insurance companies are also considered to be more likely to be fully networked with hospitals and share electronic medical records.
Information exchange, insurance may be more and more expensive?
For the insured, there may have been such a small problem in the body before the insurance, but due to medical technical conditions or information circulation, some diseases are not necessarily diagnosed, or part of the “small hair “Small illness” does not necessarily have a record.
After the implementation of the new regulations, the electronic medical records are kept for 30 years. The various medical records or hospital records from large to small may be regarded as the reference for the insurance company’s underwriting, and the number of visits is high. Insured persons with a history of hospitalization and poor health habits may face an increase in premium rates and probability of refusal. Buying the same guaranteed insurance, it is very likely that you will need to pay more premiums in the future. For this group of people, it may be considered to purchase appropriate medical and health insurance as soon as the New Deal has not been fully rolled out.
Truthfully telling early insurance
It should be pointed out that whether before or after the implementation of the new electronic medical record policy, the insured should answer the insurance company truthfully when purchasing health insurance. A survey of past medical history. Otherwise, even if you buy insurance, you will encounter a refusal when you are in danger.
Because the insurance contractor has made an inquiry about the subject matter of the insurance or the relevant circumstances of the insured in accordance with the provisions of the first paragraph of Article 16 of the Insurance Law of China, the insured shall truthfully inform the insured. The second paragraph stipulates that the insurer has the right to terminate the contract if the insured fails to perform the obligation of truthful disclosure as stipulated in the preceding paragraph due to gross negligence and is sufficient to influence the insurer to decide whether to agree to insure or increase the insurance rate. The fourth paragraph stipulates that if the insured deliberately fails to perform the obligation of truthful disclosure, the insurer shall not be liable for compensation or payment of insurance premiums for the insurance accidents that occurred before the termination of the contract, and shall not refund the insurance premium.
In fact, if the insured and the insured fill out all kinds of written inquiries on the health notice, they will not be rejected even if they already have some diseases or have had some diseases. Guaranteed, but it is a strong guarantee for the future claims of the insured. On the contrary, if some important facts are concealed, even if the insurance is purchased at a lower premium, the latter will not be effectively protected.
Finally, it is also recommended that you plan the right health protection for yourself and your family as soon as possible. On the one hand, the sooner you buy, the sooner you can pass the risk; on the other hand, As you get older, you will have more restrictions on purchasing health insurance, and the premium will be more The more expensive it is.