Important things to say three times:
Don't go for a medical check-up easily!
Don't go for a medical check-up easily!
Don't go for a medical check-up easily!
I have a friend who wants to arrange a medical insurance, but I was hospitalized for a few days last year, and I heard from the sales company that I had to do another medical examination before I could buy it.
Nani?Here I have to talk about whether I should go for a medical examination before buying insurance.
Is it necessary to have a medical examination before buying insurance?
Not necessarily. 
In mainland China, the principle of "limited notification" is implemented, that is:
Answer any questions, don't ask, don't answer.
Tell us the truth≠tell them all!
In other words, it means that you don't need to take the initiative to go for a physical examination to buy insurance, you just need to tell the truth about the health condition asked by the insurance company.
So why should you emphasize that you should never go for a medical examination before buying insurance?
Many people think that there are a bunch of health information problems, and they don't know if there are any. Just do a full body check-up, and it will be clear what is wrong.
The results of the physical examination are fine, you are at ease, but if something is detected, it is likely to be bad for you, and the insurance company has nothing to lose.
What happens if I have a check-up before buying insurance?
In the unlikely event that an abnormality is detected, the insurance company will directly exclude the liability, increase the fee, postpone, or even refuse to underwrite, which really outweighs the loss.
Excepts: The insurance company will not cover the abnormal parts or related diseases that are detected.
Surcharge: Cover the premium by a percentage point above the normal rate.
ExtensionThe insurance company does not accept customers to apply for insurance at this stage, and requires customers to re-apply for insurance after a period of time or after the physical abnormality indicators meet the standard.
Denial of insurance: Insurance is not sold to you.
If clinical medicine focuses on the present, it is judged by whether it is needed;Then underwriting medicine looks at the future, and needs to make a ** for future incidence with the help of detailed examinations.
The morbidity directly affects the claim rate, so in the actual underwriting, underwriting medicine is more stringent than clinical medicine.
If abnormal tumor markers are detected, all health insurance cannot be purchased;
If breast nodules or thyroid nodules are detected, the corresponding organs may be excluded
If carotid plaque is detected, the health insurance is basically denied;
If intestinal polyps are detected, there is a high probability that they will be denied insurance
If multiple kidney stones are detected, the premium will increase by 50%;
If the cause of urine protein and occult blood is found to be unfound, the coverage will be extended.
What are the conditions that have to be checked?
In the following 4 cases, you must have a medical examination before you can buy insurance.
Have a past medical history
If you have a medical examination record or have been sick, but you cannot confirm your health status now, you will be asked to have a medical examination.
High-risk populations
For example, people who are elderly, overweight, smoking, alcoholics, have borrowed medical insurance cards to buy drugs such as severe diabetes, or have been denied insurance by other companies, the insurance company will also require them to undergo a medical examination before applying for insurance.
Overinsured
Different types of insurance, regions, and ages have different restrictions on the amount of insurance that is exempt from physical examination.
If you exceed a certain amount, the insurance company will also ask you to go for a medical check-up.
The amount of medical examination-free coverage for general critical illness insurance ranges from 500,000-800,000 yuan, and the amount of medical examination-free coverage for whole life insurance ranges from 2 million to 4 million.
, and then spot checks
The insurance company may randomly select some insured users and issue them a medical examination letter, of course, the probability of being drawn is relatively small.
After buying insurance, can I have a medical examination?
Yes, but it depends on the time.
After the policy is in force, there is usually a waiting period, also known as the observation period.
In order to prevent people from taking out sick insurance and fraudulent insurance, it is one of the risk control methods of the insurance company.
Except for accident insurance, there is no waiting period, and the waiting period for other types of insurance is as short as 30 days and as long as 180 days.
During this period, once the insurance is out of danger, the insurance company will not pay.
Therefore, if you are not particularly urgent and have to go, it is recommended to go after the waiting period.
Miscellaneous questions
Can the insurance company find the medical examination report?
Many people think that it is impossible for insurance companies to know their medical and medical records.
I have given you science popularization before, when we apply for insurance or settle claims, we are given the right to investigate by the insurance company.
The physical examination is a real-name system, and after applying for insurance, the insurance company can check the corresponding records through multiple channels.
Therefore, when you make a health notice, remember not to take chances, and be sure to fill in truthfully, which is related to whether the insurance company will pay for it in the future.
According to a document from the National Regulatory Authority, at least 50% of claims are denied because health notifications are not provided.
Multiple physical examination reports, which one shall prevail?
Company physical examination Personal physical examination.
Physical examination within one year Two years ago.
Physical Examination Center of Public Hospitals.
*Hospital: Level 2 hospital.
Hospital special examination hospital physical examination center.
end
Don't go for a medical check-up before buying insurance!
It's a way to protect yourself and make it easier to buy insurance.
Of course, insurance and the body, it is definitely the body that is important.
If you are already unwell, you should seek medical attention in time before or after insurance, and don't delay the best time to buy insurance.