When purchasing insurance, insurance companies usually determine whether a medical examination is required based on factors such as the type of insurance product, the amount insured, the age and health status of the insured. The following is a detailed description of the circumstances in which a medical examination may be required to purchase insurance.
1. High-risk insurance products
When purchasing some high-risk insurance products, such as whole life insurance, critical illness insurance, etc., the insurance company may require a medical examination in order to assess the risk level of the insured. Through the results of the medical examination, the insurance company can more accurately assess the health status of the insured, so as to determine the corresponding insurance rate.
2. High insurance coverage
When the amount of insurance purchased is high, the insurance company may require the insured to undergo a medical examination in order to reduce the risk of insurance fraud. The results of the physical examination can be used as the basis for the insurance company to judge the health status of the insured, so as to formulate a reasonable insurance rate.
3. Older insureds
For older insureds, the insurance company may require a medical examination as their health may be relatively poor. The results of the medical examination can help the insurance company assess the health status and life expectancy of the insured, so as to determine the corresponding insurance rate.
4. Pre-existing medical conditions
If the insured person is already suffering from certain medical conditions, such as high blood pressure, diabetes, etc., the insurance company may require a medical examination. The results of the physical examination can be used as the basis for the insurance company to judge the degree of illness and the situation of the insured, so as to formulate a reasonable insurance rate.
Fifth, the occupational risk is high
For insured persons who work in high-risk occupations, such as construction workers, firefighters, etc., the insurance company may require a medical examination. The results of the medical examination can help the insurance company to assess the health status and occupational risk of the insured, so as to determine the corresponding insurance rate.
6. Regulations of insurance companies
Different insurance companies may have different rules on whether or not to require a medical examination. Some insurance companies may require a medical examination for all insured persons, while others may require a medical examination for only a subset of insured persons. Therefore, when purchasing insurance, you should understand the relevant regulations of the insurance company in detail.
When purchasing insurance, you may be required to undergo a medical examination if you are a high-risk insurance product, a high-sum insured insurance, an older insured, a pre-existing medical condition, or a high occupational risk. The insured should actively cooperate with the physical examination according to the requirements of the insurance company in order to purchase insurance smoothly.