How long does it take for a medical check up to be covered by life insurance?

Health notification is required at the time of insurance, and health notification is an inquiry by the insurance company about the customer's health status, and insurance can only be insured through health requirements. How to deal with the health notification requirements of insurance companies, I recommend this article:What are the tips for health notification when applying for insurance?

1. Do I need a physical examination to buy insurance?

There is no need to take the initiative to undergo a medical examination before applying for insurance. Health notices are divided into "limited notice" and "unlimited notice", while domestic insurance is basically "limited notice", in short, what to ask, what to answer, and the condition that is not used to ask does not need to be informed.

Without a physical examination, you don't know about the minor problems that may have occurred in your body, and there is no need to inform the hospital if there is no record; However, once you have a physical examination, it is equivalent to hammering your latest physical condition, which will affect future underwriting issues.

2. When do I need to go for a physical examination?

1.The customer's health condition is not up to standardFor example, he is older, obviously overweight, and has a long-term habit of smoking and drinking.

2.Presence of past medical history:If the insured person has a history of illness or hospitalization, the insurance company will verify it through a medical examination.

3.High Sum Insured Policies (Overinsured Persons):At present, most insurance companies on the market have a maximum amount of free medical examination, as long as it exceeds this amount, you will be required to have a medical examination.

4.Spot check by insurance company:The insurance company will also conduct adverse selection, and will randomly check the health of new users, generally about 3% of the new policy, but this medical examination fee is paid by the insurance company.

3. Which insurance health notices are relaxed

Generally speaking, the strictness of health notification is: medical insurance, critical illness insurance, life insurance, and accident insurance. Among the four major types of insurance, medical insurance has the strictest health notice, and most medical insurance on the market is a one-year product, so when choosing medical insurance, you should look at whether its renewal conditions are excellent, such as these:

"Top 10 [Excellent Renewal Conditions] Million Medical Insurance Points! 》

The health notification of critical illness insurance is also relatively strict, so it is necessary to buy a long-term protection critical illness insurance as soon as possible, in addition to the early health advantages, the sooner you buy**, the cheaper. I have also screened out the health notice of loose critical illness insurance, click here to read the full article:"Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

Compared with medical insurance and critical illness insurance, the underwriting of life insurance is much more relaxed, and it can generally be insured without major problems.

Accident insurance generally does not require health notification, so it is safe for the elderly to buy it with some minor health problems! Hope!

It depends on your age, and generally the amount of insurance reached 800,000 yuan will require a physical examination.

The waiting period in our company is 90 days, but if you apply for insurance after the age of 50, you must have a medical examination.

There is a possibility of random inspection for health insurance over 40 years old, and physical examination is required for those over 50 years old.

Health is required after the age of 45.

If it is a 45-year-old medical examination for health insurance, it will be a 51-year-old medical examination for other insurance.

Depending on the age, if you are over 55 years old, you will need a physical examination.

In general, people under the age of 55 are exempt from physical examination.

Health insurance is generally only available for medical checkups over the age of 52!

As long as you are covered, you do not need a medical examination.

Look at age, physical health records, claims records.

1. Normal physical examination: The cost of physical examination according to the physical examination items stipulated by the company shall be borne by the insurance company.

2. Additional physical examination: If the customer has a dispute over the underwriting results or physical examination results of the insurance company, the cost of the additional or duplicate physical examination items shall be borne by the customer after the two parties negotiate with the consent of the insurance company.

3. Customer surrender: If the customer submits the insurance material (including the physical examination report) in accordance with the regulations, and the policy is underwritten according to the company's standard premium, if the application for surrender is submitted, the physical examination fee shall be borne by the customer.

4. Sub-standard body and deferred refusal: The medical examination fee of sub-standard body and deferred refusal shall be borne by the insurance company.

Sub-standard: After the insurance company conducts a physical examination on the insured, it examines it in combination with its occupation, living environment, moral hazard, etc., and considers that the death index exceeds a certain limit, if it can still be covered under certain conditions, the insured is called"Substandard"。)

5. The results of the physical examination are normal but not insured: of course, the cost is solved by the customer himself.

Extended reading: [Insurance socks] How to buy, which one is better, teach you to avoid these insurance"pits"

If you want to buy insurance, try to buy it before the medical examination, and it is better to wait until the waiting period of the policy has passed. The waiting period, also known as the observation period, refers to the fact that the insurance company will not be liable for claims within a period of time after the insurance is purchased. There is a 30-day waiting period for general medical insurance, and a 90-day or 180-day waiting period for life insurance and critical illness insurance.

But it doesn't mean that you can't pay for the insurance during the waiting period, and you have to see if it's the situation mentioned in this article:During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

If you have already completed the physical examination, it may have an impact on the purchase of insurance, and you need to make a specific analysis of the specific situation.

If you have completed the physical examination and the results of the physical examination show that you are in good health, it will not affect the purchase of insurance.

If the results show that there is an abnormality after the physical examination, the abnormality does not mean that you cannot buy insurance, but also according to the actual situation.

The physical examination report only shows that there are some minor problems in your body, such as rhinitis, which is not serious, and generally will not affect the insurance, even if it is critical illness insurance, medical insurance, etc., which requires health notification, it can generally be underwritten for the standard body of rhinitis patients, not to mention other insurance products with relatively loose health notices such as accident insurance, life insurance, and annuity insurance.

However, if you have serious physical health problems and are diagnosed with a critical illness, then if you want to apply for critical illness insurance and medical insurance with strict health notices, you must tell the truth according to the known situation, but it is often difficult to successfully apply for insurance through health notices. Although there are fewer opportunities for sick patients to buy insurance, pay attention to some details, maybe there is a possibility of regret for successful insurance, you can take a look at this strategy:Remember these 5 steps to get you sick and get out of the insurance smoothly!

In addition, such as accident insurance, annuity insurance, cancer insurance and other health notices are relatively relaxed, and patients with wild diseases can also try to insure, and the probability of successful insurance is relatively high.

To sum up, if you are already planning to buy insurance, you must be cautious about the arrangement of physical examination. You may wish to take a look at this article to understand the specific impact of medical examinations on buying insurance:Do I need to have a medical examination before buying insurance?

I've heard that it will affect claims!

Hope!

It depends on what type of insurance you buy, such as whether China Life Insurance is double the risk insurance amount, and whether the cancer insurance is double or 2 times forgot. Moreover, the amount of risk insured is inversely proportional to age, and the older you are, the lower the amount of risk insured.

For example, if an 11-year-old boy has a risk insurance amount of 500,000 yuan, and the actual insurance amount of 350,000 yuan is converted into a risk insurance amount of 10,000 yuan, which is higher than the risk insurance amount, then a physical examination will be required when applying for insurance.

Here we would like to explain the significance of the risk insurance amount: it is the risk estimate of the insurance company's protection of an insurance product, once it is higher than this amount, in order to reduce the risk (mainly worried about insurance with illness, insurance fraud, etc.), the insured will be required to undergo a physical examination. Different types of insurance have different conversion ratios, and insurance companies can provide conversion ratios for individual insurances.

However, this does not mean that there is no need for a medical examination within the risk insurance amount, or that you cannot be insured if you are higher than the risk insurance amount. You can also apply for insurance if you are higher than the risk insurance amount, but you will be required to have a medical examination first. If it is drawn, a physical examination will be required, but if it is a healthy and insurable condition, Chinese Life will compensate for the cost of the physical examination, otherwise if the problem is found, it will be self-paying, and the underwriting will not pass.

In addition, if there is a special condition that needs to be notified (such as a heart disease, genetic disease, etc.), a medical examination is usually required, regardless of whether it is not covered by the risk insurance amount.

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The physical examination of the insurance company is generally not mandatory, because life insurance is known as the largest integrity contract in the world, and it is characterized by double integrity, so before signing the contract, the policyholder or the insured can only truthfully inform the obligation, if not informed, to bear the corresponding adverse consequences of insurance. The insurance company will underwrite according to your information, and will require the insured to have a medical examination if it is necessary (the cost of passing the medical examination will be borne by the insurance company), because this involves a question of whether to increase the premium, and the insurance company will generally not cover if the insured does not hold the reputation inspection. In fact, this is a non-essential step before the contract is signed, and the law will not make it rigid, and the above practice is just a habit of the insurance company, because if the law compels the insured to have a physical examination, it will increase the cost of the insurance company, and at the same time, the corresponding insurance company will increase the premium, and finally the customer will bear it, so that most of the customers who have no problems will have to pay for it is unfair.

Therefore, the insurance contract is called the maximum good faith contract, and the insurance company first determines that there is no problem with the insured, and if there is a problem, it needs to report the situation truthfully, otherwise it will have to bear the adverse consequences of not truthfully reporting, which is in accordance with the law.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Is it necessary to go for a medical check-up before purchasing insurance?

In order to know whether they meet the health notification requirements, many friends go for a physical examination before buying insurance, is it necessary?

It is not necessary to have a full physical examination, and there are two types of physical examinations: random inspection and mandatory inspection. Excessive age, too high insurance amount, and unqualified health are all necessary to be checked; There is also the possibility of sampling some of the others. If there is a disease, it is enough to tell the truth and provide supporting materials such as medical records.

The insurance company may refuse to insure the insurance, exclude liability (liability exemption), increase the fee, or may treat it according to the standard after the medical examination.

Over 50 years old, if you are not in good health, you must have a physical examination, and if you do not meet this requirement, you will have it immediately!

Not necessarily. Depending on what kind of insurance you buy, participating insurance is generally not required. As for critical illness insurance, it depends on age and spot checks.

The spot check is random, and it is not determined who will be drawn. If you are 50 years old, you basically need a physical examination, but there are many items in the physical examination, and maybe you will draw the easiest one. Also, if you pass the physical examination, the company pays for it, and if you don't pass, you need to do it yourself.

However, a physical examination is only 100 quick money.

A medical examination is not required. Depending on your age, insurance, occupation.

However, you must be honest about your past medical history, and the insurance company will decide whether to do a medical examination based on your situation. However, if you do not tell the truth, then you may not be compensated for the related illness in the future.

Not all insurance plans require a pre-purchase medical examination, but in general, there are:

If the customer has a physical illness before applying for insurance, as a customer, he needs to inform the insurance company in advance, that is, explain on the insurance policy, and the insurance company will arrange the corresponding physical examination items according to the severity of the disease informed, some of which are relatively minor and can be ignored; If you pass the medical examination, the insurance company will generally bear the cost of the medical examination, and if you do not pass, you need to bear the cost of the medical examination.

As a customer, you must truthfully inform the insurance company of your physical condition, otherwise if you conceal it, once the insurance is out of the way, the insurance company will refuse to pay for the insurance because you did not truthfully inform you before applying for insurance, and then the policy will have no meaning.

Not necessarily. Some insurance products have insurance terms that explicitly require a medical examination, while others do not.