For example, the risk coverage of 1 1 year-old boy is 500,000, and the actual coverage of 350,000 China Life Insurance is 525,000, which is higher than the risk coverage, so a medical examination will be required when applying for insurance.
Here, I would like to explain the significance of risk coverage: it is an insurance company's risk estimate for an insurance product. Once it is higher than this amount, in order to reduce the risk (mainly worried about sickness insurance, fraudulent insurance, etc. ), the insured will be required to have a medical examination. Different types of insurance have different conversion ratios, and insurance companies can provide conversion ratios for individual insurance.
But it doesn't mean that you don't need a medical examination within the risk insurance amount, or you can't take insurance if it is higher than the risk insurance amount. Above the risk insurance amount, you can insure, but you will be forced to have a medical examination first. For those within the risk range, they will be randomly selected during underwriting. If they are selected, they will ask for a medical examination. But if they are healthy and insurable, China Life will pay for the medical examination. Otherwise, if problems are found, the underwriting will fail at your own expense. In addition, if there are special circumstances that need to be informed (such as heart disease, genetic disease, etc.). ), whether it is within the risk range or not, it is usually necessary to have a physical examination first.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.