Second: the state stipulates that medical insurance cards can be used, but most hospitals in the country have not included them. Including your place.
Third: for the sake of health, the cost of physical examination can be ignored. The cost of going to a tertiary hospital for a comprehensive examination is probably around 500 yuan, so you know your situation very well. If the economic situation is not very good, you can spend 100 yuan to check the general situation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.