Many consumers in the purchase of insurance, will encounter the problem of physical examination, so buy insurance to physical examination? Insurance physical examination what? Let's look at the following small series, this is to take you to understand.
Do you need a physical examination to buy insurance now
1. If there are no health problems and the insured amount is within the limit of free physical examination, then there is no need for physical examination. However, if there are certain health problems, the insurance company may require the insured to have relevant physical examination or review.
2. For those who are insured beyond the insured amount, the insured amount here refers to the 'limit of exemption from physical examination'. Insurance companies will take risk aversion into account when setting up products. If the limit of annual physical examination is exceeded, the system physical examination mechanism will be triggered. If you are worried that physical examination may be refused, it is recommended to know the annual limit of physical examination before purchasing specific insurance!
3. Each insurance company will have a certain proportion of the selected people every year. No matter what the physical condition of the selected customers is, they must go to the physical examination. But the winning rate is very low, so don't be too nervous. What are the physical examination items of insurance
The insured products are different, and the items requiring physical examination are also different. Insurance companies have clear standards. Generally, the general physical examination (height, weight, vision, blood pressure, etc.), urine routine test, electrocardiogram, hepatitis B, etc. are standard items. However, the insurance company accepts the results of the physical examination conducted by the third level hospital or equivalent level physical examination institution organized by the unit within 6 months. If the required items are not included in the physical examination, it is good to have a separate corresponding physical examination.
It should be noted that the insurance company should bear the cost of physical examination. However, if there are additional physical examination items or items that need repeated physical examination, it is better for consumers to contact the insurance company in advance and jointly negotiate the burden of medical examination expenses.
Well, the above is Xiaobian for you to buy insurance whether to physical examination related content, I hope this article can solve your doubts.