Generally speaking, you can buy insurance without a medical examination. Many small partners will have misunderstandings about pre-insurance physical examination. Actually, a physical examination is unnecessary. For most products, we only need to tell the truth when we apply for insurance, and the insurance company can apply for insurance after it passes.
If you have a physical examination before insurance, you may need to increase the insurance fee, exclude insurance or delay insurance, and some insurance companies may refuse insurance. Therefore, it is generally not recommended that you have a physical examination before insurance. Want to know more, you can read this article: Do you need a physical examination before buying insurance? I heard that it will affect claims!
Of course, there are also some situations that require physical examination. For example, if you have a definite disease or unhealthy state, then it is possible that the insurance company will ask you for a physical examination at this time.
Or you are a specific group, such as the elderly, the disabled, low-income groups, and people engaged in high-risk sports. These people may be required to have a medical examination, and if the medical examination results are normal, they may continue to take out insurance. If there are some minor problems in the physical examination results and you are worried that the health notification will not pass, you can choose some insurance with loose health notification: the latest! The top ten health warnings are loose, and the critical illness insurance is large!
In addition, if you already know that you have a disease and want to take out insurance regardless of the disease, in addition to the above-mentioned truthful health notification and looking for products with loose health notification, we can also improve the success rate of insurance by choosing intelligent underwriting products.
Intelligent underwriting is to quickly know whether you can apply for insurance through health questions and answers set by insurance companies. Smart underwriting does not need to register personal information, and generally does not leave traces of underwriting. Don't worry if you fail. So which is better, intelligent underwriting or manual underwriting? After reading this article, you will know: What is the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture!
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