If you conceal your medical history and don't tell it truthfully, within two years after the policy takes effect, both the insurance company and the agent know that they have a serious illness. Have the right to choose to refuse insurance or exemption according to the actual health condition. Even have the right to terminate the insurance contract and refund the premium paid by the insured.
If it is discovered that the insurance company has lost its right of defense according to the new Insurance Law two years after the policy takes effect, it should pay compensation according to the contract.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.