Do I need a medical examination to buy accident insurance, and what do I need to have a medical exam

It's usually just some regular projects.

In order to control the risk, the insurance company will inquire about the health of the insured and require the customer to fill in the health notice, and if the requirements are met, the insurance company will underwrite normally. 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?

So do I need to have a medical check-up before buying insurance? You'll know after reading it!

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

You don't need to go out of your way to get a medical check-up before applying for insurance, but you must not hide anything. Mainland insurance is basically the principle of "limited notification", which is simply understood as what to ask, what to answer, and there is no need to inform if you do not ask.

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, if the hospital has a record after the medical examination, you must tell the truth, which may affect the underwriting result.

2. Under what circumstances do I need 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:Insurance products have their own "medical examination maximum", and if you exceed 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 them, the health notice of medical insurance is the most stringent, and most of the 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! 》

Long-term critical illness insurance is relatively high risk, so the insurance company underwrites more strictly, so it is necessary to buy it while you are still young and healthy, and the younger you are, the cheaper the premium, and the sooner you buy it, the better. 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.

Many accident insurance do not require health notice, so the underwriting of accident insurance is also relatively relaxed, but there are usually occupational restrictions, and high-risk occupations are very restricted! Hope!

Each insurance company has clear and detailed regulations on the insurance requirements for each type of insurance, and the insurance of accidental injury and pure savings pension insurance generally does not require a physical examination, while the health and medical insurance is not only closely related to age, but also related to the amount of insurance. In general, the larger the insurance amount, the more items that require medical examination.

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?

You don't need a medical examination to buy accident insurance.

Accident insurance is not health insurance, it does not protect health, it is a life insurance with the insured due to accidental injury caused by death and disability as the condition for paying insurance benefits, so the policyholder does not need to let the insured undergo a physical examination before purchasing accident insurance.

At present, because accident insurance protects accidents, it has requirements for the occupation of the insured, and major insurance companies have also classified the occupation of the insured, which is divided into 6 categories, of which 1-3 are low-risk occupations, 4 are medium-risk occupations, and 5-6 are high-risk occupations.

Occupations in categories 1-4 are usually covered by insurance companies, and occupations in categories 5-6 will be excluded from the insurance company's coverage.

Of course, because insurance companies do not have a unified standard for the classification of occupations, some occupations may be 6 categories in some insurance companies, and 4 categories in another insurance company, so when buying accident insurance, do not look at the accident insurance products of other insurance companies because they are not covered by a certain insurance company.

Test your anti-risk index, experts will interpret it for you for free!

A medical examination is required. The Supreme People's Court's Interpretation (III) on Several Issues Concerning the Application of the Insurance Law of the People's Republic of China (Draft for Comments) is open to the public for comments. The Consultation Paper stipulates that if the policyholder, the insured or the beneficiary claims that the policyholder's obligation to truthfully inform is waived because the insurer's designated institution conducts a physical examination of the insured, the court will not support it.

The Consultation Paper stipulates that the "consent of the insured" may be in written, oral or other forms; It can be made in advance or recognized after the fact.

In addition, if the policyholder and the insured are different entities, and the insurer makes inquiries to the insured about the relevant circumstances of the insured, the insured shall truthfully inform the insured. If the policyholder or the insured truthfully informs the insurer of the content of the inquiry, it shall be deemed that the obligation to truthfully inform has been fulfilled.

If the insured deliberately improperly influences the results of the medical examination during the physical examination, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, and the insurer claims to terminate the insurance contract, the court shall support it.

Do you need a physical examination for the elderly on accident insurance?

If you have purchased insurance for accidental injuries and financial management, you do not need to have a medical examination; Other types of insurance require a physical examination, and after a certain age, you cannot purchase health and critical illness insurance products.

What nonsense do you need to pay attention to when applying for elderly accident insurance?

Many insurance companies will give full consideration to the insurance for the elderly, especially for insurance products such as accident insurance for the elderly. For insured customers, they should also have a sufficient understanding and objectively understand its relevant knowledge when handling elderly accident insurance.

First, be aware of the age of your parents and make sure that the seniors meet the age range requirements for the insured for the product you have chosen.

Second, policyholders should pay attention to the protection interests contained in the accident insurance for the elderly, and consider whether the coverage is suitable for their own needs.

Thirdly, the characteristics and protection benefits of the accident insurance products for the elderly launched by different insurance companies will be different, and the appropriate accident insurance products can be selected for the elderly at home according to the characteristics of their needs.

What are the characteristics of accident insurance for the elderly?

1. The scope of protection is mainly for the elderly. Accident insurance for the elderly is an insurance business that specializes in serving the elderly. It is mainly aimed at the elderly due to accidental injuries caused by disability, fractures, hospitalization** in line with the terms of the claim, etc., and its objects are mainly for the elderly.

Second, the content of the guarantee is comprehensive. The liability of accident insurance for the elderly generally includes ordinary accidents, traffic accidents, medical accidents, etc.

3. Show care in the subtleties. The first branch is high, and the insurance age is generally 40-80 years old, taking care of the elderly who have not been effectively protected in the past.

Secondly, due to the characteristics of the elderly who are vulnerable to serious injuries, there are more types of accident insurance for the elderly than ordinary insurance products, and the amount of insurance is also larger. This fully takes into account the family situation and financial ability of the elderly, and strives to make every elderly person have a strong accident insurance protection.

Third, the accident insurance for the elderly launched by many insurance companies has a national function and enjoys a number of national emergency medical rescue services. It can be said that these are specially designed for the elderly, fully taking care of the inconvenience of the elderly's movement and travel.

China Merchants Bank"Worry-free luck"The returnable accident insurance plan is designed for young and middle-aged people who have become the breadwinner of the family, with a short payment period, a long protection period, all-round protection for land, water and air accidents, and a 110% premium refund after enjoying long-term insurance protection.

Extended reading: [Insurance] How to buy, which pants and shirts are better, and teach you to avoid these insurance"pits"

Health notification is required when we invest in medical insurance, critical illness insurance, life insurance and other types of insurance, which is difficult to avoid. How should it be right"Inform"？What are the tips? Click here to find out:

title=""Top 10 Outstanding Renewal Million Medical Insurance Rankings Newly Released! 》" target="_blank">"Top 10 Outstanding Renewal Million Medical Insurance Rankings Newly Released! 》

Long-term critical illness insurance is relatively high, so the insurance company underwrites more strictly, so it is necessary to buy a long-term protection as soon as possible. In addition, the critical illness insurance sisters with loose health notices have also been screened out, which is very suitable for people with minor physical problems

title=""Top 10 [Health Notification Relaxation] Critical Illness Insurance Points! 》" target="_blank">"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 the insured to be 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!

[Written at the end].

I am [Xueba Says Insurance], focusing on the concept of Canab, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Do I need a medical examination to buy insurance? Does general distress insurance require a medical examination? Look**, you will know the reputation of the chain! I'm Deep Blue Insurance, focusing on the evaluation of the insurance shed shirt segment! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

Whether a medical examination will be required to buy insurance mainly depends on whether the insurance company has regulations. However, most insurance products on the market do not require a medical examination, and if the insurance company requires us to provide proof such as a medical examination report, then we need a medical examination. If there are no regulations, then, my potato brothers generally do not need a medical examination.

If you want to know whether you need a physical examination before buying insurance, you can take a look at the following article:Do I need to have a medical examination before buying insurance? I've heard that it will affect claims!

Many friends will feel that they need to know their physical condition to buy insurance products, but in fact, under normal circumstances, we do not have to have a physical examination to buy insurance. Except for some special circumstances that require a physical examination, such as some groups that are obviously overweight and older, they may be required to have a physical examination when buying insurance, and only have the opportunity to apply for insurance after the results are normal. If you really want to understand your physical condition, it is best to go for a physical examination after the waiting period of the insurance, so that the impact on us will be relatively small.

Before buying insurance, we are generally required to inform us about our health, and we only need to tell us truthfully. Generally speaking, for health notice, we only need to inform the diseases we already know, we will do whatever we ask, and we don't need to ask what we don't ask, and we must not deliberately hide our health conditions, otherwise, in the follow-up insurance, there may be claims disputes. For health advice, you can take a look at the following article:

What are the tips for health notification when applying for insurance?

Hope!