You don't need a physical examination if you buy accident insurance.
If you buy financial annuity insurance, you don't need a physical examination.
If you buy health insurance, you don't need a medical examination if it doesn't exceed the amount exempted from medical examination (the amount is higher than the age).
If there is a problem with the health notice, you will ask for a health certificate or physical examination.
Everyone needs insurance, especially health insurance. In addition to social security, everyone should also supplement some health insurance when conditions permit. In general, the purchase of health insurance products requires a medical certificate. Your husband smokes, but rarely drinks to buy health insurance.
Physical examination is a part of underwriting work and a way for insurance companies to review and control risks. It is the privilege of healthy people to buy insurance. When you are in good health, plan as early as possible. Don't wait for something wrong with your health to get insurance.
Generally speaking, physical examination mainly involves life insurance and health insurance. When accepting these two types of insurance business, insurance companies will decide whether a medical examination is needed according to the insured's insured amount, insurance type, age and physical condition.
Mr. Xu is 48 years old and decided to buy some critical illness insurance just in case.
After the physical examination, the insurance company asked him to increase the cost, on the grounds that according to Mr. Xu's physical condition, he was at greater risk of suffering from a certain disease in the future.
Mr. Xu is puzzled by this. He has always been in good health, and there is no problem in the physical examination of the unit every year. Why do insurance companies make such judgments? Will insurance companies make unreasonable demands on policyholders in order to make money?
In fact, insurance companies have different views on diseases from hospitals.
When an insurance company conducts a physical examination of its customers, it mainly judges the possibility of future illness of customers from the aspects of age, gender, height, weight and past medical history, so as to decide whether to increase the expenses. Hospitals often judge whether there is a disease that needs treatment from the current point of view.
Generally speaking, life insurance underwriting has certain technical means and indicators. For example, the main criterion for judging whether the insured is obese is his body index, which is also an internationally accepted method for judging obesity, that is, the square of the insured's weight (kg)- height (m). Secondly, it should be combined with other physical examination reports, such as the detection values of blood sugar, blood lipid and blood pressure. If these values exceed the standard, the insured will pay a higher premium.
Generally speaking, the increase in expenses will not exceed 20%, but each insurance company has different considerations about risks. In terms of risk control, companies will approve the fee increase standard according to their own experience over the years. Secondly, different types of insurance are purchased by customers, and the standard of fee increase is also different. Generally speaking, the proportion of customers who buy life insurance is high; For those who buy term insurance, because of the term, the risk is relatively low, and the proportion of fee increase is relatively low.
Mr. Xu needs to increase his expenses. The insurance company must think that the incidence of insurance accidents will be higher than the average person in the future. In this case, Mr. Xu should buy insurance, which is beneficial to the insured. Because once the insurance company increases the underwriting cost, it means taking risks.
You must tell the truth, and you can't hide it to avoid the medical examination. Fill in the health notice carefully, don't take any chances, or even if it was underwritten smoothly at that time, you will still suffer in the end! The underwriting standards of different companies will also have some differences. If it is marginal, you can consider changing to a company with relatively loose underwriting.