Do I need a physical examination to buy medical insurance?

There is no unified standard. When accepting medical insurance business, insurance companies will refer to factors such as the type of insurance insured, the amount insured, the age and physical condition of the insured, and whether to require a physical examination.

If the insurance company does not require a physical examination and the consumer takes the initiative to request a physical examination, other than getting a free physical examination (except for a free physical examination), he will not benefit from it when settling a claim.

This kind of physical examination is General examinations are undertaken by the insurance company's own physical examination department or its designated medical institutions. The examination items are targeted and paid for by the insurance company, and some of them need to be paid for out of pocket. Therefore, in order to control costs, the insurance company will not require everyone to do so. Everyone goes for a physical examination.

After the physical examination, the relevant physical examination agency will issue a physical examination report printed by the insurance company. The insurance company will refer to this report when deciding whether to cover it, and it will be legally binding.

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Extended information:

The insurance company is for the following reasons The reasons why the insured will be required to undergo a physical examination are:

1. Past medical history:

According to the information shown in the insurance policy filled out by the policy holder, the insurance company will not be responsible for serious illness or serious illness. People with symptoms and family hereditary diseases, whether they are the elderly or children, are required to have a physical examination.

2. Over-insurance:

Insurance companies provide certain insurance policies for insured persons of different ages and regions. The insurance amount is free of physical examination. When the risk insurance amount of the consumer exceeds this amount, a physical examination is required.

3. If necessary: ??

Older (different insurance companies). Regulations vary, some require insured persons over 45 years old, some over 50 years old), smokers, overweight, or other potential risks considered by the insurance company to undergo a physical examination.

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