最近想購買一份意外險，想問問投保意外險是否需要體檢？

一yi般ban情qing況kuang下xia，購gou買mai意yi外wai保bao險xian是shi不bu需xu要yao做zuo身shen體ti檢jian查zha的de。隻zhi有you投tou保bao健jian康kang醫yi療liao類lei的de保bao險xian才cai需xu要yao做zuo體ti檢jian。如ru重zhong疾ji險xian。不bu過guo需xu要yao注zhu意yi
，在zai投tou保bao意yi外wai險xian的de時shi候hou依yi舊jiu需xu要yao如ru實shi告gao知zhi，如ru果guo故gu意yi隱yin瞞man
，輕qing則ze保bao險xian公gong司si終zhong止zhi合he同tong並bing且qie不bu退tui還hai保bao費fei，重zhong則ze會hui上shang訴su。

yibanshejitijiandedoushijiankangbaozhangleidebaoxian
，nianlingyueda，baoeyuegao，tijiandexiangmujiuyueduoyueyange。danruguozhishigoumaiyiwaixian，yibanshibuxuyaotijiande。

jintoubaorenshenyiwaixianyibanbuxuyaotijian。meijiabaoxiangongsiduimeigexianzhongdetoubaoyaoqiudouyoumingquexiangxideguiding
，toubaoyiwaixianhechunchuxuyanglaoleidebaoxianyibanwuxutijian。