How to explain the sentence "the insured has confirmed that the insured has no health to inform the accused" in the electronic policy?

Your understanding is not completely correct, and there is no health notification, which means that your daughter-in-law has been admitted to the hospital or that your daughter-in-law is ill. For example, chronic gastritis, uremia and other diseases or birth defects should be informed to the insurance company. After the insurance company finds out, it will generally refuse insurance. You bought insurance, but you failed. Of course, if you are not hospitalized or have no other diseases, you can choose "None".