If I buy health insurance, how do I get a medical check up?

After buying health insurance, we must check and fill in the gaps in time, and only by making the insurance content consistent with our own needs can we have better health insurance protection.

Generally speaking, for the health insurance policy physical examination, we can look at the following points:

1. Waiting period.

First of all, we need to carefully look at whether the waiting period of this health insurance has passed, if it has passed, then we can already enjoy the protection normally, and the insurance company will pay the claim according to the agreement.

2. Payment date.

The payment date is very important for health insurance, because if we pay the premium in installments, as long as we accidentally forget to pay the premium, it is easy to have an unstable impact on our own protection, and if it takes too long, it will also lead to the lapse of coverage.

3. Guarantee content.

This point we need to emphasize, because we need to know that the protection we need will change over time, not static, some protection may be redundant, while others may need to be supplemented, when conducting a health insurance policy physical examination, we need to pay attention to whether the coverage content still meets our own needs, not enough to supplement, or buy other insurance to make up.

4. Sum insured. The amount of insurance is closely related to how much insurance money we can get after an unfortunate accident. If we do not have enough insurance due to insufficient funds or other factors at the beginning of the insurance, then we can increase the sum insured or purchase other insurance to supplement it during the physical examination.

5. Duration of Insurance.

In fact, as long as it is not a lifetime policy, we must pay attention to the duration of the coverage, because if the coverage expires, the insurance will be terminated. Therefore, if you find that it is about to expire during the physical examination, pay attention to renewing the policy in advance.

To sum up, after buying health insurance, we must check and fill in the gaps in time, and only by making the insurance content match our own needs can we have better health insurance protection.

The physical examination required to buy insurance usually includes urine routine, blood routine, blood glucose, electrocardiogram, etc., which are generally determined according to the regulations of the insurance company and the health status of the insured. If you have a medical condition, you may need to provide a medical report related to that condition.

It is generally possible to buy insurance without a medical examination. Many small partners will have the misunderstanding of physical examination before insurance, in fact, physical examination is not necessary, most of the products we need to truthfully inform the health when applying for insurance, there are questions and answers, and the insurance company can be insured after passing.

If you find that you have a physical problem during the pre-insurance medical examination, you may need to increase the cost of coverage, exclude coverage or delay coverage, and some insurance companies may also refuse to cover the insurance. Therefore, it is generally not recommended that you have a physical examination before applying for insurance, and if you want to know more about it, you can read this article: Do you want to have a physical examination before buying insurance?

I've heard that it will affect claims!

Of course, there are some situations that require a medical examination. For example, if you have a definite illness or unhealthy condition, then there may be a situation where the insurance company requires you to go for a medical examination.

Or maybe you are a specific group of people, such as the elderly, people with disabilities, people with low income, and people who engage in high-risk sports. Such people may be required to have a physical examination, and the results of the physical examination are required to be normal before they can continue to be insured. If there is a small problem with the results of the physical examination and you are worried that the health notification will not pass, we can choose some health notification loose insurance:

It's the latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

In addition, if you already know that you have a disease and want to apply for insurance with illness at this time, in addition to the above-mentioned truthful health notice and looking for products with loose health notice, we can also improve the success rate of insurance by choosing products with intelligent underwriting.

Intelligent underwriting is to quickly know whether you can apply for insurance through the health questions and answers set by the insurance company. Smart underwriting does not require the registration of personal information, and generally does not leave traces of nuclear escort, so there is no need to worry if it is not passed. So which is better, smart underwriting or manual underwriting?

Generally speaking, it is not recommended to have a medical examination before applying for insurance, and as for why, the reason is simple. Nowadays, medical technology is developed, and there are many small problems that we may not find or care about can be checked, and once they are checked out and recorded in our physical examination report, it is very likely to be rejected by the insurance company.

For example, a few millimeters of thyroid nodules are detected during the physical examination, although it is not a big problem in our opinion, and it is easy to **, but for the insurance company, the thyroid nodule has a higher claim rate than other diseases, and in order to control the risk, the insurance company will largely increase or exclude the underwriting. Therefore, it is generally not recommended to have a physical examination before applying for insurance, but if you are unwell, you still need to check it in time, in time, in case the disease worsens, and you lose a lot of money due to small things.

If you don't know how to configure insurance, you can take a look at this article "How to buy insurance?" Do you have to avoid these routines? 》

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

If the insurance amount is too high, the insurance company still needs us to do a physical examination, and the physical condition can still be underwritten, if there is a difference, the insurance may refuse to cover or the premium will increase.

There are no hard and fast requirements, try not to go for a physical examination before applying for insurance. We know that when you buy insurance, you will have a health notice and ask you to tell you about your health status truthfully.

You are referring to the group accident insurance purchased by the company, if this is the case, there is no need for a medical examination; If your company buys social security for you, you will have to have a physical examination when you enter the company, and your company will definitely not accept the employee if you fail the physical examination. If you are satisfied with my answer, please give me extra points.

According to Article 16 of the Insurance Law, if the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification, the insurer may refuse to pay compensation or even terminate the insurance contract, depending on the severity of the impact.

That is to say, when applying for health insurance such as critical illness insurance, the insurance company will generally let the customer have a physical examination according to the situation, and then decide whether to underwrite according to the results of the physical examination. However, some insurance companies do not require a medical examination under normal circumstances, as long as the sum insured exceeds a certain number of policies, the insurance will require a medical examination.

If the prospective customer truthfully informs his or her illness status, if there is a serious or long-term chronic disease, the insurance company may require him to have a physical examination, and the insurance company will randomly conduct a physical examination of the insured policy according to a certain rate.

From the above content analysis, whether to buy health insurance or not, mainly according to the insurance company's products to decide, some need to have a physical examination, and some do not need to regret including physical examination, as long as the amount of insurance exceeds a certain number of policies or when filling in the health notice, which contains more serious chronic diseases, will require a physical examination.

General health insurance will ask about the physical condition of the insured when applying for insurance, and the policyholder must truthfully inform that the following situations will be required to undergo a physical examination:

If the sum insured exceeds the standard of exemption from physical examination, the general insurance company will have the standard of exemption from physical examination. If the insured exceeds the insurance company's standard for exemption from medical examination at the time of application, he or she must undergo a medical examination.

Past medical historyPast medical history does not refer to a cold, fever, cough, etc., but it still affects normal daily life and still affects health status. Common ones such as hepatitis B carriers, thyroid diseases, hyperthyroidism, hypothyroidism, thyroid nodules, etc., inevitably require physical examination. Many people will ask whether smoking will affect the purchase of health insurance, and in order to obtain a more favorable premium, you can also test the nicotine in the urine when applying for insurance.

Random spot checksIf there are no above two situations, the insurance company will also randomly check customers for physical examination according to a certain probability. Generally speaking, after the physical examination, the insurance company will underwrite normally, increase the underwriting, exclusion of liability, and refusal of insurance after underwriting.

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

Hello, there are several situations that require a medical examination:

Age old and above, most companies will ask for a medical examination.

2. The insured amount exceeds the amount of exemption from physical examination for the age group. Depending on the product, the amount of exemption from physical examination is also different.

3. After truthfully informing the company, provide the inspection results of the hospitalization or physical examination, or the information provided cannot be helpful for underwriting.

4. Sampling, similar to winning the lottery.

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