6+ 保険病歴どこまで Ideas

病歴就労状況等申立書期間（続紙）障害年金のことならお任せください。神戸・元町～南京町近く『どい社会保険労務士事務所』のブログ from nenkin-master.jp

The Importance of Medical History in Insurance

When it comes to buying insurance, your medical history can play a significant role in determining the coverage and premiums you receive. Insurance companies use your medical history to assess the level of risk you pose, which in turn affects the cost of your policy. This is why it's important to understand how far back insurance companies can check your medical history.

What is a Medical Information Bureau?

One of the primary sources that insurance companies use to obtain your medical history is the Medical Information Bureau (MIB). The MIB is a nonprofit organization that maintains a database of medical information on individuals who have applied for insurance in the past. The database contains information such as medical conditions, prescription drug use, and any surgeries or medical procedures that you have undergone.

How Far Back Does the MIB Go?

The MIB maintains medical information for up to seven years. This means that any medical information that is more than seven years old will not appear in your MIB report. However, it's important to note that the MIB only contains information that has been reported by insurance companies. If you have never applied for insurance before, you won't have a record in the MIB database.

Other Sources of Medical Information

Insurance companies may also obtain your medical history from other sources, such as your medical records or a medical exam. Your medical records contain a detailed history of your health, including any diagnoses, treatments, and medications. A medical exam may also reveal any underlying health conditions that you may not be aware of.

What You Should Know Before Applying for Insurance

If you have a pre-existing medical condition, it's important to disclose this information to the insurance company when you apply for coverage. Failing to disclose a pre-existing condition could result in your policy being voided or denied. However, you should also be aware that disclosing a pre-existing condition could result in higher premiums or limited coverage.

How to Obtain Your Medical History

If you're unsure what information is contained in your medical history, you can obtain a copy of your medical records from your healthcare provider. Under the Health Insurance Portability and Accountability Act (HIPAA), you have the right to access your medical records and request corrections if necessary.

How to Improve Your Chances of Getting Coverage

If you have a pre-existing condition, there are steps you can take to improve your chances of getting coverage. One option is to look for insurance policies that are specifically designed for individuals with pre-existing conditions. Another option is to work with an insurance agent who specializes in high-risk cases and can help you find the best coverage options.

Conclusion

In summary, insurance companies can check your medical history through sources such as the MIB, medical records, and medical exams. The MIB maintains medical information for up to seven years, while medical records contain a detailed history of your health. It's important to disclose any pre-existing conditions when applying for insurance, and to obtain a copy of your medical records if you're unsure what information is contained in them. By taking the necessary steps, you can improve your chances of getting the coverage you need.