Insurance

Information about the health insurance



If one forgets or suppresses information of own case history, this can become for an expensive pleasure for the policy holder.
Often there results suppressed information about the state of health of the so-called insurance mediators who can offer through this not seldom assurances to favorable conditions.
However, for the policy holder this is fatal. Since if, for example, chronic illnesses were kept from the insurance group, it can come to the fact that the insurance society does not pay in the achievement case or contests the contract because of deception.

In this case to lodge a complaint against the insurance enterprise, hardly has views of success. Even if is pointed out to the fact that a deception offence is given on the part of the insurance mediator, the responsibility lies in most cases in spite of all with the policy holder.
This may not minimise, e.g., back discomfort to attain a (favorable) insurance cover.

Interesting is to be known that nowadays and also during former years difficulties existed with regard to the medical oath of secrecy compared with health insurances.
What is meant with it?

It is quite easy: A patient pays a doctor’s calculation and lets himself refund this, however, by his insurance society. The health insurance has to make through this contributions to the patient, without this has one day seen him.
Not to be informed this contented, however, the need by health insurances something about the state of health of her suitable policy holder. On this basis so-called “medical examiners” were introduced.
These show a sort of consultant who create a certain balance around the divergent interests of the insurance groups, the insurers and the insured persons to compensate interests.

A job of a so-called “medical examiner” is to judge the risk, e.g., with a possible new admission at the request of the health insurance.
“Medical examiners” are involved among other things to to clarify the achievement duty of the insurer and he is obliged to take stand on economic questions with regard to a treatment.

Actually, treating doctors of an insured person the necessary information and findings of the treatment must inform the “medical examiners”, however, in the case of doubt the “medical examiner” can also examine the insured person personally.

Of course a “medical examiner” stands also under oath of secrecy, because doctors become active, however, on account of the wish of assurances, these must provide in spite of oath of secrecy information. However, this refers exclusively to those health aspects which are necessary for the fulfilment of the job. So that on the whole the real oath of secrecy remains protected, because the information about the general health state is not transmitted.

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