Thirty-six thousand girls in the first year of high school had surgery, and the doctor's medical record said so, and the insurance didn't pay a penny! Why?

From July 2065438 to July 2007, Ms. Ding, the daughter of Nanjing Senior One, was hospitalized for oral joint diseases, and the operation cost was more than 36,000 yuan. Prior to this, Ms. Ding had been buying student insurance for her daughter, from primary school to high school.

However, when Ms. Ding applied for insurance claims with the medical report and medical records, the insurance company said that she fell ill before the insurance came into effect and could not make claims.

I mean, I have a past illness, so I can't pay for it?

It turned out that Ms. Ding was asked about her condition by the doctor when she took her daughter to see a doctor. She said that the child has been suffering from toothache because of the worm tooth. So the doctor wrote this into the medical record "Joint discomfort in the anterior region of both ears for 2 years", and Xue Ping insurance was bought together with the school. Ms. Ding doesn't know any insurance notice. As a result, the doctor wrote this, which became the reason for the insurance company to refuse compensation.

So, when you have insurance, be sure to tell the doctor that you have insurance.

Ask the doctor to be careful when writing medical records, especially about the year and medical history. If you really can't help it, you can also ask about the medical history and say it's recent.

Buying insurance is a science, and preventing refusal to pay compensation is the key! I hope these contents can help everyone! Recently, we also launched a free insurance assessment service to help you analyze your family risks in advance, so you don't have to worry about the insured company refusing to pay for various reasons!