Do I need a medical examination to buy critical illness insurance?

Generally speaking, you don't need a medical examination to buy critical illness insurance. Unless it is mandatory by the insurance company, senior sister doesn't recommend you to do it before buying, because usually when buying critical illness insurance, the insurance company will have certain requirements for everyone's health, which is also commonly known as "health notification".

First, health notification and physical examination are two different things.

When we buy critical illness insurance, we need to inform our health, and the insurance company will shut out those groups whose physical conditions can not meet the requirements and are easy to get out of danger. Its main function is to prevent some people from cheating insurance and taking out sickness insurance, which is also a risk line for insurance companies.

However, everyone should pay attention to the "notification" here, not the "medical report". In China, health notification mainly adopts inquiry notification mode, also known as subjective notification. The main principle is "ask, answer, don't ask, don't answer", that is, you can answer whatever the insurance company asks, so don't ask.

Second, medical advice after buying insurance is after the waiting period.

As I said before, insurance companies generally don't refuse to pay compensation because they don't have a medical report unless they ask us to do it. However, we can go to the physical examination after the insurance, but we should pay attention to it, and it is best to go after the waiting period.

For critical illness insurance, in order to prevent someone from taking out illness insurance, the insurance company has set a waiting period. Critical illness insurance is generally 90 days or 180 days. If you go to the physical examination during the waiting period and are diagnosed with a serious illness that meets the requirements of the clause, no matter whether we know that we are sick before insurance, we can't get the corresponding claims.

So if it's just some routine physical examination and the body is not particularly uncomfortable, it's better to suggest that you try to go to the physical examination after the waiting period. However, if the body is abnormal, you still have to go to the hospital for a physical examination. Don't miss the best treatment period because of this. After all, having a healthy body is the most important thing.