No physical exam needed, however, many questions. I got turned down the first time for reporting that I saw a cardiologist, who found something trivial and in the range of normal. He had to write them a letter, requesting they reconsider, then they finally gave me the FDX MEC policy. They doubled the premium, and the cost was too crazy expensive. I dropped the policy and started the ALPA policy. Easier to get, cheaper but lower benefits. Apparently so many people stopped the FDX MEC policy after the rate jump that they started allowing more people to get it, instead of looking for any reason to say no.