The customer has a physical illness before insurance. As a customer, you need to inform the insurance company in advance, that is, it is stated in the policy that the insurance company will arrange corresponding medical examination items according to the severity of the illness, and some can be ignored. If the medical examination passes, the general insurance company will bear the medical examination expenses. If it fails, the customer will bear the medical examination fee.
As a customer, you must truthfully inform the insurance company of your physical condition. Otherwise, if it is concealed, once the accident occurs, the insurance company will refuse to pay compensation on the grounds of not telling the truth before the insurance, and the insurance policy will be meaningless.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.