The applicant's written inquiry about the "health notice" of the insurance policy must be answered comprehensively and truthfully, and it is not possible to avoid the importance. If the information provided is incorrect or incomplete, the insurance company may terminate the insurance contract on the grounds that the customer violates the principle of utmost good faith, without assuming the insurance liability.
When signing a contract with an insurance company, the insured must abide by the principle of utmost good faith. Because the insured conceals or intentionally insures against illness, the business risk of the insurance company is increased. Therefore, the law stipulates that insurance companies enjoy the maximum right of defense within two years after insurance, that is, within two years after the contract is signed, once the insurance company finds that the customer has not truthfully informed or concealed the illness, it can unilaterally terminate the insurance contract without returning the premium and policy value. But after two years, the insurance company will lose this right;
After the insured and the insured tell the truth, the insurance company will conduct an audit according to the customer's situation, and make normal underwriting, additional underwriting, special underwriting, physical examination or refusal according to the specific situation; After the insurance is re-examined, it is a pity that the applicant will be informed of the results of the examination as soon as possible, and the applicant will confirm the insurance intention. Once the insurance company signs a contract with the insured, the insurance company will bear the insurance liability according to the contract;
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.