INEM · MEDICAL EXPERT OPINIONS
Reliable opinion. A more confident decision.
Medical opinions for insurers, law firms and assistance partners. Life insurance, records-based analysis and cross-border cases. Scope, availability and fees are confirmed before commissioning. Behind every case stands a person.
HOW A REPORT IS PREPARED
From a question
to a reasoned report.
Keep scrolling — we show how an independent medical report is prepared.
Scope of the assignment
First we define the questions, the purpose of the report and the specialty required. The enquiry form contains no medical records.
Scope and fee are confirmed before commissioning.- 01
Assignment
We agree the questions, the purpose and the specialty.
- 02
Completeness of records
We check whether the records can answer the questions and identify gaps.
- 03
Specialist analysis
A physician of the appropriate specialty assesses the case material.
- 04
Quality check
We verify completeness, reasoning and consistency with the agreed scope.
- 05
Finished report
A signed report with reasoning and stated limitations.
EXAMPLE APPLICATIONS
Which medical question does your case turn on?
Do the records confirm a serious illness or work incapacity within the meaning of the policy terms?
EXAMPLE DOCUMENTS
- Treatment history
- Test results
- Policy terms and conditions
SCOPE OF ANALYSIS
Diagnosis, chronology, relevant clinical findings and the medical criteria supplied with the assignment.
WHAT YOU RECEIVE
A signed report with reasoning and stated limitations — the benefit decision rests with the insurer.
Process illustration. A synthetic example — it does not depict a real patient. The scope depends on the individual case.
What are the documented consequences of the accident and their link to the event?
EXAMPLE DOCUMENTS
- Injury records
- Imaging results
- Previous assessments
SCOPE OF ANALYSIS
Injury consequences, causation and prior conditions — within the supplied impairment criteria.
WHAT YOU RECEIVE
A structured description of the consequences with references to the source records.
Process illustration. A synthetic example — it does not depict a real patient. The scope depends on the individual case.
What do the medical records say about risk before the policy is concluded?
EXAMPLE DOCUMENTS
- History and records
- Test results
- Questions for the specialist
SCOPE OF ANALYSIS
Specialist interpretation of records for underwriting — before acceptance, not at claims stage.
WHAT YOU RECEIVE
A report supporting the risk assessment; the insurer sets the insurance terms.
Process illustration. A synthetic example — it does not depict a real patient. The scope depends on the individual case.
Are the scope and costs of treatment abroad medically justified?
EXAMPLE DOCUMENTS
- Facility records
- Costs and scope of services
- Questions for the specialist
SCOPE OF ANALYSIS
Second medical opinion, review of medical necessity and treatment costs, records from abroad.
WHAT YOU RECEIVE
The conclusions may confirm the costs or identify questions requiring clarification.
Process illustration. A synthetic example — it does not depict a real patient. The scope depends on the individual case.
What does the medical documentation contribute to a compensation case or a malpractice dispute?
EXAMPLE DOCUMENTS
- Complete treatment history
- Protocols and test results
- Questions for the specialist
SCOPE OF ANALYSIS
Treatment chronology, description of consequences, course assessment — separating medical findings from legal evaluation.
WHAT YOU RECEIVE
Medical material for case preparation; we do not assess legal liability or the amount of the claim.
Process illustration. A synthetic example — it does not depict a real patient. The scope depends on the individual case.
How to assess records of treatment carried out in another country and language?
EXAMPLE DOCUMENTS
- Records from multiple sources
- Treatment history
- Questions for the specialist
SCOPE OF ANALYSIS
A coherent chronology, requests for missing information, an agreed report language — Poland, the Balkans, South-Eastern Europe.
WHAT YOU RECEIVE
An independent medical assessment of a cross-border case in the agreed report language.
Process illustration. A synthetic example — it does not depict a real patient. The scope depends on the individual case.
INEM · MARITIME CASES
Do you work at sea?
Accidents on board, lasting impairment, work capacity and treatment abroad.
YOUR PATH TO AN EXPERT OPINION
What happens, and who does what?
- 01
Your question
Tell us the purpose, recipient and deadline. No health records in the enquiry form.
- 02
Case assessment
We check the specialty, expert availability and suitable assessment method.
- 03
Scope and fee
You receive the scope, price, language and timeframe before commissioning.
- 04
Medical records review
The appointed physician analyses the records and identifies any missing information.
- 05
Written opinion
A reasoned report answers the agreed questions and explains the limits of the evidence.
Start here: send an enquiry. This does not place an order or guarantee acceptance of the case.
Medical records opinions
A physician reviews the agreed records and addresses defined medical questions in a written report, with reasons and limitations. The enquiry form is for organisational information; medical records follow exclusively through the separate protected INEM Cloud channel, not by email.
Examinations in Germany
Where an examination is medically necessary, arrangements in Germany may be possible after assessment and agreement. Location, language support, costs and availability must be confirmed before travel.
Medical necessity and costs
An independent review can assess the medical basis for treatment, its scope and related costs. The conclusions may support the costs or identify questions requiring clarification. We do not promise predetermined savings.