Why do you want a physical examination?
Physical examination often appears in life insurance, health insurance and medical insurance. Insurance companies need to conduct risk review and risk control when accepting these three types of insurance business, and physical examination is part of underwriting work. The insurance company will decide whether a medical examination is needed according to the insured amount, the age and physical condition of the insured.
Generally speaking, in these cases, the insurance company will require consumers to have a physical examination:
1. Overinsured. Insurance companies have certain coverage for people of different ages and regions. If the insured chooses to exceed this amount, the insured needs a physical examination.
2. Medical history. If the insured has a relevant medical history, the insured needs a physical examination.
3. Specific needs. For some elderly people who have smoking and drinking habits and are overweight, the insured needs a physical examination.
What items are checked?
What items need to be checked in the physical examination depends on the insurance company. Some common physical examination items are as follows:
1. weight. The insurance company will test the weight of the insured, which is usually expressed by the body mass index. If the insured is overweight or obese, it will affect the underwriting results. It may be better if you are only overweight, but if ECG, blood pressure and other indicators are abnormal, it will affect the underwriting decision of insurance companies. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
2. blood pressure. The insurance company will decide whether to underwrite according to the insured's blood pressure, and comprehensively consider the level of hypertension, control, past medical history and related complications. If it is life insurance or critical illness insurance, it may increase the underwriting cost or refuse insurance; If it is medical insurance, you need to check the specific situation of high blood pressure. If the situation is serious, insurance will be refused.
3. Urine routine. Urine routine can find potential early diseases. When underwriting, the insurance company will focus on urine sugar, urine occult blood, urine protein, urine bilirubin and other indicators, followed by urine white blood cells.
If the insured is positive for urine sugar, he may suffer from diabetes in the future; If the insured has occult blood in urine, he may suffer from stones and tumors, and women may have menstruation; If the insured has urinary protein, he is highly suspected of nephritis and nephropathy; If the insured has urinary bilirubin, he may suffer from jaundice, hepatitis and cirrhosis; If the insured has white blood cells in his urine. There may be infection or inflammation in the body. In general, the price of critical illness insurance for women is more affordable than that for men. What good insurance recommendation is suitable for women? Take stock of the top ten critical illness insurance that women are worth buying in 2020!
In addition, if the physical examination results are "+"or "+/-"symbols, the insurance company will allow the re-examination, but if there are multiple "+"symbols, it may be postponed.
In addition to the above three points, we also need to check ECG, blood sugar and B-ultrasound. Electrocardiogram can reflect heart disease. Except for physical problems, which can be covered normally, other problems will be postponed and the insured needs to go to a specialized hospital for further examination.
Blood sugar is used to diagnose diabetes, hypoglycemia and other diseases. If the physical examination has abnormal glucose tolerance, it needs to be rechecked to check fructosamine or glycated blood glucose protein. If the indicators are unqualified, the insured may face delayed treatment or increased expenses.
B-ultrasound can detect tumors at an early stage. If the insured has cysts, lumps, nodules, etc., it needs to be postponed, and the insured is required to go to a specialized hospital for further examination before underwriting.
The above are routine inspection items. I want to remind you that you must tell the truth when buying insurance, and you can't hide your physical condition in order to avoid medical examination. Different insurance companies have different underwriting rules. If your situation is marginal, you can change to a company with relatively loose underwriting and then insure.