Medical expertise and insurance medicine come into play when an accident of life, an accident at work or an occupational disease occurs, which can have significant medical and financial consequences. In these situations, a medical assessment of the state of health is essential to determine entitlement to compensation.
Medical expertise: a key tool for assessing bodily injury
L'medical expertise is to provide an independent and objective assessment of an personal injury or a state of incapacity following an accident, assault, medical error or occupational illness. The medical expert analyses the entire medical file, carries out an in-depth clinical examination and draws up a detailed report to serve as a basis for discussions with insurance companies, the courts or employers.
Our expertise enables us to :
- Determine the temporary or permanent disability rate.
- Assessing functional sequelae and their impact on work capacity.
- Establish the causal link between the symptoms and the event causing the damage.
- Document the loss with a view to fair compensation.
Insurance medicine: at the heart of compensation procedures
La insurance medicine intervenes within the framework of insurance contracts (accident, invalidity, provident fund, occupational disease). When a claim for compensation is made, the insurance company often mandates a medical advisorto assess the insured's state of health.
However, sometimes the conclusions of the medical advisor are contested by the policyholder or his or her lawyer. It is in these cases that a medical second opinion becomes necessary to defend the victim's interests.
The role of medical second opinions
La medical second opinion is carried out by an independent medical expert. It consists of :
- Re-examine the entire medical file.
- Creating a new full clinical examination.
- Formulate a independent assessment the degree of disability and after-effects.
- Provide a medical report that can be used against opposing parties (insurance companies, courts, employers).
This is essential in the event of insurance disputeIf the compensation offered is deemed insufficient or inappropriate to the medical situation.
Situations requiring independent medical expertise
Independent medical expertise can be requested in a number of contexts:
- Accidents at work and recognition of occupational accident.
- Occupational illnesses (musculoskeletal disorders, burn-out, etc.).
- Traffic accidents or private life.
- Assault or violence resulting in physical or psychological damage.
- Disputes with insurance companiesmutual insurance companies or employers.
- Disagreement on the valuation of permanent disability rate.
Why consult an independent medical expert?
The advantages of using a independent medical expert is its total impartiality towards insurance companies. His sole objective is to defend the medical rights of the person he is examining, by guaranteeing an objective, rigorous assessment based on medical evidence.
In the event of a dispute or challenge to an initial expert opinion, the support of an independent medical expert is often a decisive factor in asserting your rights and obtaining a fair settlement. fair compensation.