The sinister file's a string. It's broken by the weakest link.
The dispute with an insured person is almost never about an isolated document. It's about whether the complete string holds itself: who was, what was authorized, what was loaned, what was charged and who solved. And the pieces come from hospital with systems that don't talk to each other.
The Unique Security and Loan Circular requires maintenance of clinical files with safety, integrity, access and backrest. What doesn't solve is how to correlate evidence from outside.
Retirement imposed in July 2026 for deficiencies in notice of privacy and consent in biometric treatment. It was not a case of the health sector and that's why it's best to read them well: it's clear how the current authority evaluates biometrics, and how bad an insurer's fine.
Three products, not a consultant.
JAAK offers electronic information and signature software. Test each person directly and we are not an office and this does not replace his or her legal team's advice.
Fingerproof face biometrics, OCR official identification and list consultation, in a single flow.
- Liveness detection (anti-supurization)
- OCR official identification
- Consultation with list and risk
- Expediente digital descargable
Five links, and what's lost after one's missing.
A sinister file isn't defended with paper volume. It's defended when each link can be linked to the next with verifiable evidence.
Identity
Who's the insured and who authorized his name.
If it fails: cross-files and nontrace suplanting fraud.
Authorisation
What was authorized, how far and at what time.
If it fails: something's been paid and never passed, but cannot prove it.
Service
That she really loaned herself, by whom and with what credit card.
If you miss: there's no way to check what's been billed against what's been cared for.
Input
What was charged and against what clinical document.
If it fails: an objection to payment has no documentary support.
Opinion
Who solved, with what criterion and about what version.
If it fails: the resolution cannot be defended with an insured person.
Five years is the minimum health care, not his policy.
The same sinister contains documents with different time frames. To purify as the shorter is the most common way to lose the evidence that will later be necessary to uphold an objection to payment.
- Classification of each file document by applicable period
- Retirement suspension criterion for an open claim
- Evidence of authentication and acceptance in electronic procurement
- Delimitation of person responsible and charged with the flow with each hospital
- Evidence of file integrity from the date of its integration
What's the rule about every requirement.
Without intermediate interpretations: instrument, number and what requires in practice. The links to the Official Journal are at the end of the page.
Unique Circular of Insurance and Loan
Obliga4.10
Rules for electronic recruitment: authentication, acceptance and traceability of an operation should be preserved.
Unique Circular of Insurance and Loan
Obliga15.4 · 37.2
Clinical information about health and electronic maintenance with safety, integrity, access and backrest.
Trade Code
Obliga46 · 46 Bis · 49
Business maintenance for ten years. Electronic maintenance is performed according to NOM-151.
Federation fiscal code
Obliga30
Maintenance of accounting and related documentation for five years with special assumptions that may extend the period.
LFPDPPP 2025
Obliga8 · 18 · 19 · 20
expressed and written consent to sensitive data, security measures commensurate with risk, notification of violations and duty of continuous confidentiality.
NOM-151-SCFI-2016
Permite4.2 · 6.2
The maintenance record is issued by an accredited certification service provider and can prove existence and integrity from a date.
Statements that circulate and do not resist the number.
We hear them from vendor evaluations and internal committees in this sector.
"The hospital sends us the file, so the evidence's his."
The obligation of conservation and security applies to the person who treats the data and to hospital and insurance flows both cover sensitive data.
LFPDPPP 2025 · 18 and 20 · CUSF 15.4
"The maintenance record attests that the insured person signed."
It credits the existence and integrity of the document from a given date. The identity of the sign is a different layer that requires its own verification.
NOM-151-SCFI-2016 · Appendix A · CCom 93 and 97
"We can purify the complete file at age five."
Five years is the minimum health care of the clinical file. The commercial documentation of the same sinister may require ten years and an open claim suspend any purification.
NOM-004 · 5.4 · CCom 49 · CFF 30
Two ways to continue, as necessary.
30 minutes with a product specialist from JAAK
We check his sinister and show him how to configure KYC to check with the insured and sign NOM-151 To preserve the evidence. We do not give legal advice: time and policy criteria have to be validated by your own legal team.
To schedule the sittingIdentification check of an insured person
Document and biometric verification with liveness detection at claim opening, plus a record-retention certificate for the integrated file. Two ninety-second demos, no scheduling required.
Information material. It does not replace a legal opinion for a particular case. No technology itself guarantees legal validity, prevents sanctions or excludes professional liability. What can do a well-designed system is to reduce gaps of evidence and explain what happened.
Each statement of this page has its official source.
Consulted on July 27, 2026. If you find an up-to-date, write and correct with a date of visible review.