Many people think that you should have a physical examination before buying health insurance to avoid making mistakes when filling out the health notification form. In fact, there is really no need to have a physical examination specifically for insurance.
First of all, as long as there is no major medical history before, insurance companies generally assume that the insured is in good health when they apply for insurance. Therefore, even if there is no medical examination, the insurance company will not refuse to pay compensation on the grounds of "no prior medical examination";
Secondly, at present, the underwriting of health insurance adopts limited notification, that is, you only need to answer the contents mentioned in the health notification. If you don't ask, even if there is a "possible" problem with one of your indicators, you don't need to take the initiative to tell. Naturally, there is no need to go to the medical examination for "diagnosis".
On the contrary, if physical examination is carried out, once the physical indicators are found to be abnormal, it will affect the underwriting results and increase risks.
If you have a past history, you can check special items.
These are suggestions for friends who have not been found to have physical problems. Then for those who are not in good health or have had any serious illness before, they still need to be checked. The purpose of the inspection is to prove that there is nothing serious wrong with you.
At this time, the physical examination is not comprehensive, just do relevant tests to prove that the old disease has recovered. However, some insurance requirements are more stringent. Whether cured or not, there will be some restrictions for friends with past medical history, such as extra exclusions or higher premiums. Of course, you can choose to accept it, or change to a relatively loose insurance. You don't have to give up this insurance configuration because of the rigor of a single insurance product.