Because the health status of each insured person is different, the items that need physical examination are also different. Therefore, when buying insurance, the specific items that need physical examination should be subject to the requirements of the insurance company.
But in most cases, it is not recommended that you go to a physical examination when buying insurance. If there are some problems in the physical examination, it will affect the insurance.
I have written and analyzed the physical examination before buying insurance. Want to know more friends can see the following analysis:
Do you need a physical examination before buying insurance? I heard that it will affect claims!
At present, the health notification of insurance products in Chinese mainland is limited, that is, we will answer whatever is asked in the health notification of insurance products, and we don't have to answer what is not asked.
For diseases not asked in the health notification, even if we have suffered from them before, there is no need to have a special physical examination to see if they are cured, because such diseases do not affect the insurance coverage, and we only need to tell them truthfully according to the current physical health status.
Here are a few tips on health that can help you improve the success rate of insurance:
What are the tips for health notification when applying for insurance?
If some problems have been found in the physical examination, it may be necessary to underwrite if it does not meet the health notice, and it can only be underwritten after the underwriting is passed.
Finally, people of different ages apply different insurance, and blind purchase may waste money. See here for the specific insurance scheme:
How to buy insurance at different ages? Everyone should have his own plan.
That's all the answers. Please accept them.
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