Does medical insurance require a physical examination? What items need physical examination?

Participate in social security and medical insurance: no medical examination results are needed. It provides comprehensive insurance for the health and illness of the insured.

Medical insurance of insurance companies:

Insurance companies require the insured to have a prescribed health examination, not to diagnose and treat the insured's diseases. The fundamental purpose is to clarify the health status of the insured through medical means, and then measure the insurance risk and cost, and finally decide whether to underwrite the insured and the conditions of underwriting. Through health examination, insurance companies can prevent those who are in poor health, such as those who have had, have had or may have a certain disease in the future, and those with high risk from buying insurance at an average rate, that is, controlling the so-called adverse selection, thus dispersing risks, realizing fair rates and controlling insurance liabilities.

The medical examination items for insurance companies to purchase medical insurance are as follows:

Physical examination 1: physical examination+urine routine+electrocardiogram.

Physical examination 2: physical examination 1+ blood routine+blood sugar+liver function+hepatitis B.

Physical examination 3: Physical examination 2+ renal function

Physical examination 4: Physical examination 3+ chest B-ultrasound (adult women plus gynecological B-ultrasound, and women over 40 with critical illness and gynecological diseases plus breast B-ultrasound)

Physical examination 5: Physical examination 4+ anti-HCV+AFP

Physical examination of children: physical examination+blood routine+urine routine+blood sugar+blood lipid.

Two halves of hepatitis B: HBsAg HBsAg HBeAb HBeAb

Blood lipids: cholesterol (CHO), triglyceride (TC) and high density lipoprotein (HDL).

Liver function: alanine aminotransferase (ALT), aspartate aminotransferase (AST) and glutamyltransferase (r-GGT).