Four seas network news, from the sky the heart disease strange medical record causes the insurance claim to fall into Luo Shengmen said. Nowadays, in addition to social security, many people will also buy some personal accident insurance in case of emergency. But Zhang Yanrong, a farmer in Taoxian County, Handan, Hebei Province, bought insurance for two years before he became ill. When his family was going to take the medical record to get the insurance money after he left the hospital, the insurance company refused. The truth behind the simple claim for insurance benefits, which gradually evolved into a luoshengmen, is amazing.
A heart attack from the sky
Things have to start from the beginning of 2017. Zhang Yanrong's wife, Zhang Yanfang, bought him a Pacific Life Insurance with an annual premium of 7120 yuan, which means that if there is a specific or major disease listed on the list, the maximum amount of insurance money can be 100000 yuan; moreover, if there is death or 100000 yuan of insurance money, the insurance will be terminated, and there will be unlimited pink. In February of this year, he was admitted to hospital for 7 days due to cerebral infarction, and applied for compensation shortly after he was discharged from hospital. On the 20th of that month, instead of waiting for the insurance money, it was waiting for the notice of cancellation of the contract. Wang, the investigator in charge of claim settlement, told reporters that Zhang Yanrong was hospitalized in Guantao County People's Hospital in 2014 due to the company's inquiry. The results showed that he suffered from coronary atherosclerotic heart disease and grade 3 cardiac insufficiency.
This is undoubtedly a violation of the contract. The reporter then helped doctors with many years of experience in cardiovascular disease diagnosis and treatment. The other side said that this was the most serious case of heart disease. But Pacific Insurance Customer Service said, according to the regulations, if the disease is not informed in advance, it is not only necessary to withdraw the insurance after discovery, but also not to purchase other insurance of the company in the future, which may be blacklisted. As the total amount of the policy is 230000 yuan, it is still under investigation. In fact, the Zhang Yanfang family knew nothing about this unknown medical record. Reporters in his discharge medical record, see heart sound can, law Qi, did not hear and pathological murmur words.
Recently, Chen Nuo, his neighbor, was restless almost every day, worrying that his daughter, Feifei, was involved in the dispute. Zhang Yanfang said that after she went to the hospital to report that she couldn't get reimbursement, Chen Nuo's wife, a neighbor, called her to say that she had obtained his agricultural cooperation certificate. Chen Nuo, the reporter, signed the letter on April 2, 2018. According to the handwritten certificate, Chen Nuo's daughter said after work in March, 2014 that the county hospital asked her to find a cooperative medical system to handle excellent service, so she first thought of her next door neighbor Zhang Yanrong. When he arrived at his home, the old lady was the only one at home, and the ID card and medical book were on the table, so he took them away. According to Feifei, shortly after she arrived at the county people's hospital to become a nurse in the Department of interventional radiology and chemotherapy, the leader asked her to find an agricultural cooperation certificate for the Department.
Because his father and Zhang Yanrong were neighbors, they had a good relationship in private, so they chose his family. In addition, in the recording of her call with Zhang Yanfang, she did mention about it. Later, the reporter came to the hospital recently to consult a cardiovascular doctor as a patient to learn about the reimbursement with the rural cooperative medical certificate. He said that the investigation was strict since April, and it was OK before. On the afternoon of September 9, after the reporter failed to contact the president and vice president, Wu Dongxing, who claimed to be the vice president, spoke about the investigation. He said there was no accurate conclusion on the matter, so he could not make a conclusion at will.
Later, the reporter contacted the director Chen surname of the office of the county human resources and Social Security Bureau, who said that the incident took place in 14 years. At that time, the new rural cooperative management unit was still the county health and Family Planning Bureau. It was suggested to find the county health and family planning Bureau for information. In addition, in order to prove that the insurance company found a false medical record and tried to recover the insurance, it seems to be more difficult now. Zhang Yanfang recalled that at that time, she used the hospital medical record room to copy the medical record, but after explaining that the insurance could not be compensated to find the purpose of the medical record, she was rejected by the staff on the pretext. The reporter also accompanied the family members to the hospital medical record room for inquiry. After providing the information, the staff said that they could find the inpatient record of the patient named 'Zhang Yanrong', without any specific medical record.
Originally, a seemingly simple medical record has become particularly complex, involving departments such as intervention department. Wu Dongxing, vice president of the hospital, said that some medical records can only be taken out when reimbursement is needed. As of the press release, this medical record is far away. Zhang Yanfang, a family member, said she initially only wanted the hospital to delete the medical records and restore insurance. During the period, the lawyer negotiated with the hospital and raised high price, but finally did not continue to talk about it.