May my health insurer request my medical record?
See our article <a href="/privacycheck/mag-dit/mag-verzekeraar-medisch-dossier/en">insurer-medical-record</a>. Only via medical adviser, only what strictly needed for claim, your consent required.
See our extensive article insurer-medical-record. Core: health insurer may see claim data (DBC codes, treatment dates) — but NOT the full record without consent. Statutory regulation: Dutch Healthcare Market Act + Dutch Healthcare Data Act + GDPR Art. 9. Regular insurer employee = no access to record content. Only medical adviser (BIG-registered, professional secrecy) may request relevant parts on claim investigation — via care provider, with your consent, strictly limited. What is NOT allowed: full record copy without concrete claim, premium adjustment based on record content (prohibited — Wmg anti-discrimination), sharing with re-insurer without basis, marketing use. On overstepping: Kifid complaint (financial aspect) + AP complaint (GDPR) + IGJ (healthcare aspect). AP fine 2024: health insurer €500k for systematic record-reading without basis.
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- “health insurer record”
- “medical adviser insurer”
- “insurance claim medical”