Insurance companies usually carry out physical examinations for the insured with high insurance coverage or special health information. Physical examination is generally conducted in the physical examination center of the insurance company or the hospital designated by the insurance company, including: physical fitness, personal medical history, family medical history, occupational disease examination, etc. The insurance company will make a decision to limit underwriting, postpone underwriting or refuse underwriting according to the medical examination results.
And there are requirements for the insured. The insured is generally healthy and can work or work normally before participating in insurance. If you are often absent from work due to illness or given special care such as abortion due to poor health, you must provide medical certificates or details to accept insurance.
After understanding, after careful consideration, decide whether to underwrite. For residents and self-employed, they must be able to work normally to be insured. Where the physical examination found that suffering from cancer, cirrhosis, epilepsy, concussion, mental illness and serious
Diseases such as heart disease, hypertension and arteriosclerosis are not covered.