Telling the truth means telling the insurance company the insured's physical health and past medical history honestly when buying insurance. After the insurance company has passed the underwriting, the underwriting results will be given.
Underwriting refers to a process in which an insurance company evaluates your risk after knowing your health status and past medical history.
Underwriting means that the insurance company recognizes you and the insurance contract takes effect.
Do you need a physical examination before buying insurance? Don't.
There is a simple reason. You need health information before buying insurance.
Without a physical examination, you don't know the small problems that may occur in your body, and you don't need to say it; However, once the medical examination, these problems are listed on the record, which must be informed, which will affect the future insurance, and may even refuse insurance.
If you have no record of any health problems when you apply for insurance, then in the eyes of insurance companies, you are a standard body and insurance companies will underwrite it normally.