What does medical insurance need for physical examination?

There is no uniform standard. When accepting medical insurance business, insurance companies will make a request for medical examination with reference to the types of insurance, the insured's age, physical condition and other factors.

if the insurance company doesn't ask for a medical examination, the consumer will ask for a medical examination on his own initiative, which will not benefit the claim settlement except for a free medical examination.

this kind of physical examination is a general examination, which is undertaken by the insurance company's own physical examination department or its designated medical institution, and the items examined are targeted. The medical examination fee is paid by the insurance company, and some of it needs to be paid by itself. Therefore, in order to control the cost, the insurance company will not require everyone to have a medical examination.

after the physical examination, the relevant physical examination institutions will issue a physical examination report printed by the insurance company, and the insurance company will refer to this report when deciding whether to underwrite it, which has legal effect.

/iknow-pic.cdn.bcebos.com/3c6d55fbb2fb431638579c6e2fa446239f7d35e"target="_blank"title=""class="ikqb_img_alink"> /iknow-pic.cdn.bcebos.com/3c6d55fbb2fb431638579c6e2fa446239f7d35e? x-bce-process=image%2Fresize%2Cm_lfit%2Cw_6%2Ch_8%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="/3c6d55fbb2fb431638579c6e2fa446239f7d35e"/>

Extended information:

The insurance company will require the insured to have a physical examination for the following reasons:

1. Have a past medical history:

According to the information displayed in the insurance application form filled out by the insured, the insurance company will require a physical examination for those who have suffered from serious illness, symptoms of serious illness and family genetic diseases, whether they are old people or children.

2. Over-insurance:

Insurance companies offer certain insurance coverage for insured persons of different ages and regions without medical examination. When the risk insurance coverage insured by consumers exceeds this amount, medical examination is required.

3. It is necessary:

The insured who are older (different insurance companies have different regulations, some require to be over 45, and some are over 5), smoking, overweight, or other insurance companies think there are potential risks, should have a physical examination.

/www.cignacmb.com/baoxianzhishi/yiliao/2189319342.html "target =" _ blank "title =" Only one link can be selected to take effect "> China Merchants Cigna-Is it necessary to have a medical examination when applying for medical insurance? What will happen if there is a problem in the physical examination?