Does the company need a medical examination to buy medical insurance?

There is no uniform standard. When accepting medical insurance business, insurance companies will put forward medical examination requirements with reference to the insured amount, the age of the insured, physical condition and other factors.

If the insurance company does not require a medical examination, consumers will take the initiative to ask for a medical examination, and will not benefit from it except for getting a free medical examination opportunity.

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 costs, insurance companies will not require everyone to have a physical examination.

After the medical examination, the relevant medical examination institutions will issue a medical examination report printed by the insurance company, which will be referenced by the insurance company when deciding whether to underwrite it, and it has legal effect.

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Extended data:

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

1, previous medical history:

According to the information displayed on the insurance application form filled out by the insured, the insurance company requires a physical examination for people suffering from serious illness, signs of serious illness and hereditary diseases in the family, whether they are old people or children.

2. Overinsured:

Insurance companies give certain insurance coverage to insured people of different ages and regions. When the risk coverage insured by consumers exceeds this amount, a physical examination is required.

3. It is necessary to:

Older (different insurance companies have different regulations, some require to be over 45 years old, and some are over 50 years old), smokers, overweight, or other insurance companies think that there are potential risks, the insured should have a physical examination.

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