1, health insurance and medical insurance generally don't need a physical examination, only if you have a medical history or a high insurance coverage. Usually they are routine physical examination items, such as height, weight, blood pressure, electrocardiogram, blood, urine and B-ultrasound. When an abnormal item is detected, the insurance company will ask to go to the hospital for further detailed inspection to judge whether it is necessary to increase the cost or exempt from liability. 2. The state has no explicit provisions. Every insurance company has its own rules. The age of insurance is different, the amount of insurance is different, and the physical examination is different. Some insurance companies have their own medical institutions, and the physical examination is free. (e.g. ping an insurance). When abnormal items are detected, you need to take a medical certificate to the designated hospital for physical examination.
legal ground
Article 45 of the Food Safety Law of People's Republic of China (PRC) shall establish and implement the health management system for employees. Persons suffering from diseases that hinder food safety as stipulated by the administrative department of health of the State Council shall not engage in direct contact with imported food. Food production and marketing personnel engaged in direct contact with imported food shall undergo annual health examination and obtain health certificates before taking up their posts.