1. The insurance contract shall be terminated if the failure to tell the truth intentionally or due to gross negligence is enough to affect the decision to agree to underwrite or increase the insurance premium rate.
2. If it is deliberately untrue, the insurance company is not responsible for paying the insurance premium or returning the insurance premium for the insurance accident that occurred before the termination of the contract.
3. If the insured accident is seriously affected due to gross negligence, it may not be responsible for paying the insurance premium of the insured accident that occurred before the termination of the insurance contract, but only refund the insurance premium.