Buying insurance also requires conditions. Take life insurance as an example. Strict physical examination is required before entering insurance. If a prospective customer suffers from a certain disease, or even only a precursor of this disease, the salesman will take measures such as increasing the price, postponing and refusing the visa. If there is no strict medical examination, there will be many deductible clauses.

It is reported that in the insurance policies underwritten by insurance companies, the standard parts underwritten at normal rates generally account for 96% ~ 97%, while the non-standard parts underwritten and rejected only account for 3% ~ 4%. Therefore, under normal circumstances, the proportion of consumers who underwrite and refuse insurance is very small when the cost is increased, but for individuals who want to increase the cost, postpone or refuse insurance, the probability of being refused insurance is 1.000%.

The industry calls the insurance policy for medical examination a medical examination document. Physical examination documents are divided into three different types:

1) The insurance company requires a medical examination for policies with an insured amount exceeding a certain amount;

2) Prospective customers will truthfully inform their illness, and insurance companies will generally require them to have a physical examination;

3) Sampling inspection: random sampling physical examination is conducted on the insured policies according to a certain proportion.

In short, the general principle of physical examination is that the older you are, the higher the insurance coverage, and the more you need a physical examination; Moreover, the physical examination items will increase with the increase of age and insurance coverage. Physical examination documents show that the proportion of non-standard parts exceeds 10%, especially for policies that truthfully declare their illness, the proportion of refusal to sign is higher, sometimes exceeding 20%, which should not be underestimated.