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The Insurance Authorization Letter is a critical document in the Philippine insurance landscape, required whenever an insurance company needs access to a policyholder's medical information. This document, governed by the Insurance Code of the Philippines and the Data Privacy Act, enables insurance companies to process claims, assess risks, or make coverage decisions while protecting the policyholder's privacy rights. The letter typically includes specific details about what medical information can be shared, who can access it, and how long the authorization remains valid. It's particularly important in health insurance claims, life insurance applications, and medical benefit processing, where detailed medical information is necessary for decision-making.
