False.
Group insurance typically does not require a physical exam. It is designed to provide coverage for a group of people who share common characteristics, such as being employees of a particular company or members of a professional association.
The insurance company may ask some questions about the individual's health history and current health status, but a physical exam is generally not required for group insurance.
However, if an individual is applying for individual health insurance, a physical exam may be required depending on the insurance company and the specific policy being applied for.