Do I need a physical examination to buy child insurance?

In fact, not everyone needs a physical examination when buying insurance. Generally, there are several situations that require physical examination, as follows:

1, a person with a past medical history.

For example, whether the child has a past medical history, such as thyroid nodules. When buying insurance, the insurance company is likely to ask for a physical examination for the child.

It is necessary to have a physical examination.

When the insurer of an insurance company thinks that the insured needs a physical examination, it needs a physical examination. For example, the insured is obviously overweight, and it is obvious that someone has a medical history. Under normal circumstances, the insurance company will require a medical examination for confirmation.

3. Overinsured

Under normal circumstances, for the same critical illness insurance, those with a coverage of less than 300,000 yuan do not need a medical examination, and those with a coverage of more than 300,000 yuan need a medical examination.