1. Excess. If the insurance purchased exceeds a certain amount, the insurance company will require the insured to have a physical examination. Each insurance company will have the amount of protection for different insurance products. Beyond this limit, general insurance companies will require a medical examination. But it will vary according to age and region, depending on the regulations and requirements of insurance companies and specific insurance products.
2. The insured has a past medical history. When purchasing critical illness insurance, term life insurance and other insurance, there will be "health notification", which will involve many past medical history investigations.
If there is a past medical history, or the weight and height exceed the standard, and it is clearly stated in the health notice, the insurance company will check the physical condition of the insured by taking the case and physical examination. There are also some insurance products that investigate living habits, such as smoking time, drinking time and regular exercise. If some indicators exceed the prescribed amount, the insurance company will also require you to have a physical examination.
3. Spot check, except for the above two situations, every company will have a spot check ratio. If you are selected, the insurance company will arrange a free medical examination to check the physical condition of the insured. If the medical examination result is not satisfactory, the insurance company will decide the result according to the insured's physical condition.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.