1. Consent to the Collection and Transmission of Data
1.1 Approval of the Application Review
The applicant and, if they are not also the person to be insured, agree that the insurer may obtain personal data (including health data) from examining and treating general practitioners, specialists, hospitals, other health care and preventive health insurance institutions, and social insurance carriers notified by the applicant or the insured person to assess whether and under what conditions this insurance contract is concluded.
Essential information includes the information and documents from the said doctors and institutions necessary for assessing the contract, such as medical documents required for this assessment (anamnesis, discharge reports, histology and laboratory findings, diagnostic findings, clinical or medical admission and treatment data, although in individual cases, fewer documents may be required).
This consent can be revoked at any time. The consequence of revocation may be that the insurer reserves the right to obtain further documents or rejects the application.
1.2 Approval of the Benefit Case Examination
The applicant and the persons to be insured agree that the insurer may obtain personal health data to assess and fulfill claims arising from a specific insured event and to verify treatment services provided by obtaining required information from examining or treating physicians, hospitals, or other health care facilities regarding diagnosis, type, and duration of treatment.
Essential information includes data required to assess the obligation to pay benefits on diseases, consequences of accidents, and infirmities related to the specific insured event, provided by physicians, hospitals, and other health care or preventive health care institutions. This includes medical documents such as data on the reason for inpatient admission or outpatient treatment, reasons for accidents, treatment provided, length of stay, duration of treatment, anamnesis, status sheet, fever curve with infusion plan, diagnostic findings, OR report, medical progress report, anesthesia protocol, nursing report, and discharge report (in individual cases, fewer documents may suffice).
The applicant and the person to be insured agree that the insurer may obtain information about personal insurance policies applied for, existing, or terminated at the time of insurance from insurance carriers, public funds for health financing, and private insurance companies (in the case of double insurance) to assess the obligation to pay benefits to a required extent.
2. Data Determination in the Context of Direct Settlement in Health Cost Insurance
In health insurance, benefits can be charged directly between the insurer and the health service provider. This requires an order from the policyholder or insured person affected in the event of a claim, issued to the health service provider. If this order is available, the insurer may determine the following data from the health service provider without the express consent of the policyholder or insured:
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2.1 For the Purpose of Obtaining the Insurer's Confirmation of Cover
Data on the identity of the person concerned, the insurance relationship, and the admission diagnosis (data on the reason for hospitalization or outpatient treatment and whether the treatment is based on an accident).
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2.2 For the Purpose of Billing and Verification of Services
- Data on the treatment provided (data on the cause and extent of treatment), including the surgical report;
- Data on the duration of hospitalization or treatment;
- Data on the discharge or termination of treatment.
The affected policyholder or insured can prohibit this data determination within the scope of direct settlement at any time. A prohibition could result in the insurer refusing cover, at least temporarily, and the policyholder or insured remaining liable to pay for benefits that would otherwise be covered.
3. Release from Confidentiality
The applicant and the person to be insured release doctors, hospitals, and other health care or preventive health care facilities from medical and other professional confidentiality obligations to the extent of their declaration of consent and the direct settlement order described above.
This declaration of consent can be revoked at any time. The insurer cannot examine the application until all necessary documents have been received. The consequence of revocation may be that the insurer reserves the right to obtain further documents or rejects the application.