Do I need a medical examination to buy insurance now, and do I need a medical examination to buy ins

Before buying insurance, you should never go for a medical examination unless the insurance company has special requirements. The illness asked by the insurance company, as long as there is no record in the hospital, can be without.

Health notices are required when applying for insurance.

Some products reach a certain amount, and a medical examination is also required if there is no problem with the notification content, such as critical illness insurance. Some products only need to be informed, and the insurance company will decide whether to underwrite normally or at an additional cost based on the informed status.

Most of the online insurance is short-term accidents, medical insurance, etc., and the health status must be truthfully informed, but most of the related problems are directly refused, and individual products can be converted to manual underwriting, and there is also the possibility of underwriting.

If you have a related illness, you usually can't cover or add to the premium, or exclude or deny coverage.

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

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.

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

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.

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 to have fulfilled the obligation to truthfully inform.

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.

The first choice is not to buy insurance or to have a physical examination, but when the risk insurance amount reaches a certain standard, a physical examination may be required, and the corresponding physical examination risk insurance amount is different for people of different ages. If it comes to physical examination, the general insurance company provides free physical examination items, if you are not clear, you can directly ask the business personnel who do the insurance for you, it doesn't matter, this is your right.

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

1. In these cases, the insurance company will require the policyholder to have a physical examination. In the first case, if there is a health problem at the time of purchasing the insurance and the insurance company is not truthfully informed, the insurance company will ask the insured to undergo a relevant medical examination or re-examination. If there is no problem with your health, you will not need a physical examination if you tell us the truth, and the insured amount is within the amount of free medical examination.

2. The second case. The sum insured, i.e., the limit of exemption from medical examination exceeds the limit. When purchasing insurance products, the insurance company will take into account the risk aversion, and the travel company will require a physical examination if it exceeds the physical examination limit. If the insured is worried about being reported for medical examination, he or she may consider a specific type of insurance.

3. The third case. The person who is randomly inspected will be randomly inspected by the insurance company every year, and the insured person who is randomly inspected must be inspected regardless of whether he is in good health or not.

4. Buy different insurance products. The items of the medical examination will also be different. According to the clear regulations, the standard items of general physical examination include height, weight, vision, blood pressure, urine routine spring grinding test, electrocardiogram, hepatitis B, etc.

The results of the physical examination conducted by the insured in the grade medical examination institution within 6 months are also acceptable, and it would be good if additional medical examination items are required.

The reason why insurance companies want some insurance buyers to go for a physical examination before buying insurance is to prevent people from adverse selection and malicious insurance fraud. The big cherry family might as well think about it, if everyone buys insurance when they are sick, then the insurance company will pay for it! Insurance companies are also about making money.

Through physical examination, non-healthy individuals are treated differently, which is beneficial to the insurance company and beneficial to the healthy person, and fair.

For the insurance company's requirement for the insured's physical examination, I would like to say that when you buy certain insurance products, the insurance company needs the insured to go for a physical examination, so that the insured can get the most suitable protection, so it is recommended that the insured still cooperate with the physical examination, and truthfully inform the insured's health status when applying for insurance, so as to be worry-free in purchasing insurance!

Extended reading: [Insurance] How to buy, which is better, the town quietly teaches 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:

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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 Notices for Loose Critical Illness Insurance! 》" target="_blank">"Top 10 Health Notices for Loose Critical Illness Insurance! 》

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!

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Many people say that you must not have a physical examination before buying insurance, but in some cases, the insurance company will require you to go for a physical examination. Today, Bai Baojun will talk about why he was required to have a physical examination. There are usually three situations in which a medical examination is requested:

The first is that the insured age is too old or the sum insured.

High. Because the risk of disease is greater when you are older, and the amount of insurance is abnormally high, the insurance company will suspect whether there is a suspicion of insurance fraud, so it will generally require a physical examination.

The second is that if you have a past medical history and cannot provide detailed information, the insurance company will ask for a medical examination.

The third is a special situation, if there is a long-term smoking history or overweight, the insurance company will also require a physical examination, and there is no problem after the physical examination.

In addition, the insurance company will also randomly select some policyholders for physical examination, and if the insurance company requires a physical examination, the cost of the physical examination will also be borne by the insurance company.

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

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 we 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 you need a physical 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 give health information, and we only need to tell us truthfully. Generally speaking, for the health notice of the stove search, we only need to inform the diseases we already know, and we will do what we have when asked, 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 a claim dispute. For health advice, you can take a look at the following article:

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