Xiao Nuo answer:
Hello!
When an insurance company receives an application for insurance, its underwriting staff will conduct a risk review on the age, health status and insurance amount of the applicant and the insured, which is called underwriting. If the insurer thinks it is necessary to have a medical examination for the insured, it will generally notify the insured in writing to go to a hospital or other medical institution designated or recognized by the insurance company for a medical examination. Those who pass the medical examination will be underwritten by the insurance company, and the medical examination report will also become an integral part of the insurance contract, giving full play to its legal effect. Not every insured person must undergo a medical examination; Every customer who needs a physical examination is not required to have exactly the same items. The insurer decides whether to require a medical examination according to the insured's insurance type, age, health status and insurance amount.