y*******g
发帖数: 1457 | 1 第一次去看专科医生，如果不说原来就有这种慢性病，就不让从专科看起，必须要找家
医看起。
如果告诉专科门诊说原来就有，现在不舒服，是否会被他们记录在案？以后即使换保险
公司也会带档案
走？
这个看慢性病是不是也得查保险条文才能确定是否cover？ | g*****j
发帖数: 1211 | 2 Fact 1: Most doctor will not be comfortable lying.
Fact 2: Whether a preexisting condition will be covered depends on the
insurance, and you really have to read the policy carefully.
Fact 3: Your medical record is a private information. Only your doctor has
a right to it. Your insurance company sees a billing code, may not
necessarily see the medical notes (This is my understanding, not 100% sure
on this though).
The reality: For a insurance company, it takes much less time to pay the
bill than to do an investigation to see whether it is preexisting condition
(some diagnosis will be obvious though). I do think insurance company may
still cover "by mistake" simply because they did not investigate. It of
course carries a risk, and risk will be higher if it is a expensive bill. |
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