Do I need a medical examination when applying for critical illness insurance?

Health notification is required when applying for insurance, and health notification is actually a threshold set by insurance companies to avoid high-risk groups from applying for insurance. This article teaches you how to cross the first hurdle of insurance:What are the tips for health notification when applying for insurance?

Since you need to inform your physical health, do you need to go for a physical examination, you will understand after reading it!

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

Under normal circumstances, there is no need to go to the physical examination before applying for insurance, as long as you tell the truth. Telling the truth is not the same as telling everything, simply put, you must be truthful if the insurance company asks you, and you can not do it if there is no question and answer.

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; The physical examination is equivalent to the latest physical condition, and some minor illnesses can affect the underwriting results.

2. Does the insurance company require a physical examination?

1.Health is not up to standard:For example, being significantly overweight, or smoking or alcohol addiction.

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:Insurance products have their own "maximum amount of insurance without physical examination", and if this amount is exceeded, they will be required to have a physical examination, which is also one of the risk control methods of insurance companies.

4.Random Draw:Some insurance companies will regularly select a number of policyholders for medical examinations, which is completely random.

3. What are the health information and loose insurance?

Generally speaking, the strictness of health notification is: medical insurance, critical illness insurance, life insurance, and accident insurance. Among them, the underwriting of medical insurance is the most stringent, the threshold is relatively high, and most of them are one-year products, so it is recommended to choose products with better renewal conditions, preferably to protect renewal, or medical insurance that does not need to be reviewed for renewal, such as these:

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

Long-term critical illness insurance is relatively high risk, so the insurance company underwrites more strictly, so it is necessary to buy a long-term protection as soon as possible, in addition to the early health advantages, the sooner you buy**, the cheaper. Don't worry if you have minor health problems, there are still these options:"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, especially term life insurance, which can generally be insured without major problems.

Buying accident insurance usually does not require health notice, but it will require that the insured person is in good health and can work or live normally, if the insured only has high blood pressure, diabetes or slight disability, it will not affect the insurance accident! Hope!

A medical examination is not necessarily required to insure a critical illness. But they will all do a test of their health. If you do not have a medical examination, you will be asked to fill out a health notice.

Whether or not a medical examination is required to purchase critical illness insurance stems from the terms of the health notice in the insurance.

Each company has a free physical examination quota for each product, and each product also has a different upper age limit for physical examination, and there is a physical examination and cases for non-standard subjects if they are insured.

Yes, but it must be a hospital recognized by the insurance company.

Must undergo a strict medical examination at a hospital designated by the insurance company.

Don't add to it unless the insurance company requires a medical examination at the time of application. Under normal circumstances, 96%-97% of the policies underwritten by insurance companies are standard parts covered by normal rates, and only 3% or 4% of non-standard parts are underwritten and rejected at additional rates. In general, a medical examination is required in the following 3 situations:

1) The sum insured exceeds a certain amount;

2) the insured person has suffered from certain diseases that affect the insurance;

3) Older Insured Persons.

When applying for insurance, the insurance company assumes that the policyholder is healthy. Therefore, if a medical examination is not conducted, the insurance company will not refuse to pay for this reason. Once the physical examination is done, there is no problem, but if there are some problems in the physical examination, it will affect the insurance and future claims.

3. The significance of purchasing critical illness insurance. The main purpose of purchasing critical illness medical insurance is to alleviate the high medical expenses that senior doctors need to pay when they see a doctor. At the same time, if the insured is sick in the hospital for related **, it also needs to be carried out for a period of **, therefore, the expenses borne during the ** period can also be reimbursed by major medical insurance.

Since work will be suspended when you are sick, the income from work will also be reduced accordingly, and you can also pay a certain amount of compensation for the reduced work income when you are sick.

If the insurance company does not require you to go for a medical examination, most of the time, you do not need to buy critical illness insurance. Why?

If you go for a physical examination and something goes wrong and leaves a physical examination record, it will be difficult to pass the health notice and you will not be able to buy critical illness insurance. So, if the insurance company doesn't require a medical check-up, and you find out the problem yourself, isn't it asking for trouble?

Need. Because to buy critical illness insurance, you must first check your physical condition, so under normal circumstances, you need to have a physical examination.

A medical examination is required. When purchasing this insurance, the relevant staff will require the insured to undergo a medical examination, which is a necessary process, and if the body is already suffering from the corresponding disease, it cannot be insured.

To buy critical illness insurance, you need to undergo a physical examination, and you must submit the medical examination report to the insurance company, which is a necessary part of purchasing critical illness insurance.

You need to have a physical examination, so that you will know your health, and you will know what kind of illness you have.

Arnold answered:

Hello! Critical illness insurance refers to commercial insurance that compensates the medical expenses when the insured suffers from a specific critical illness specified in the insurance contract, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. Under normal circumstances, a medical examination is not required when purchasing critical illness insurance.

However, the insurance company may conduct a random inspection of users who have purchased critical illness insurance, and if you are selected, you will have to experience it. At the same time, if you provide a history of contracted illness, you have a higher chance of being sampled. Here, the critical illness insurance products recommended by Xiaonuo for you will cover a comprehensive range of diseases and provide you with VIP medical services.

Generally speaking, a medical examination is not required to buy critical illness insurance。Unless it is a mandatory requirement of the insurance company, the senior sister does not recommend that you do it first and then buy it, because usually when buying critical illness insurance, the insurance company will have certain requirements for everyone's health, which is commonly known as "health notice".

First, health notification and physical examination are two different things.

When we buy critical illness insurance, we need to inform our health, and the insurance company will turn away groups whose physical conditions do not meet the requirements and are easy to get out of danger. Its function is mainly to prevent some people from cheating on insurance and taking out sickness insurance, which is also a risk line for insurance companies.

However, you should pay attention to the "notice" here, not the "medical examination report". In China, health notification mainly adopts the inquiry-based notification mode, also known as subjective notification. The main principle is "ask, answer, don't ask, don't answer", which means that you will answer whatever the insurance company asks, and you don't need to tell if you don't ask.

2. It is recommended that the physical examination after buying insurance is after the waiting period.

As I said earlier, insurance companies generally do not refuse to pay on the grounds that they do not have a medical report, unless we are required to do a medical report. However, it is true that we can go for a medical check-up after taking out insurance, but everyone should be careful that it is best to go after the waiting period has passed.

For critical illness insurance, the insurance company sets a waiting period in order to prevent someone from taking out insurance with illness. Critical illness insurance is generally 90 days or 180 days. If you go for a medical check-up during the waiting period and are diagnosed with a critical illness that requires insurance under the terms and conditions, we will not be able to receive the corresponding claim, regardless of whether we know about the illness before applying for the insurance.

Therefore, if it is just some routine physical examinations and the body is not particularly uncomfortable, it is better to try to pass the waiting period before going for a physical examination. But if there is an abnormality in the body, you still have to go to the hospital for a physical examination, and don't miss the best ** period because of this. After all, having a healthy body is the most important thing.

Under normal circumstances, a physical examination is not required to purchase critical illness insurance, but if the insurance company conducts random sampling, then flammable sensitivity requires a physical examination. In addition, the following types of people can be exempted from medical examinations: infants, minors, and insured persons over 50 years old.

Infants and young children can use the infant regular health care card as a physical examination certificate, and minors can use the campus skin and branch physical examination form as a physical examination certificate.