Do I need a physical examination to buy health insurance with E?

Generally speaking, a physical examination is required before insurance. After the medical examination is completed, you can apply for insurance. Sunshine Insurance, besides E-insurance, is specially designed for online customers, and can be purchased directly in official website without physical examination. In addition, the incentive mechanism is very powerful. In order to reduce the premium to the bottom line, the calculation factor of "additional rate" in the premium calculation formula is 0.