1. Ask and tell: ask and answer, don't ask, don't answer.
Insurance companies have a strict underwriting system and professional underwriting personnel, and their health problems must be closely related to the product, which will have an impact on insurance, underwriting, premiums or claims, and there are clear and targeted problems. As for what they didn't ask, even if it is serious, we don't need to say it. Just answer their questions, you don't need to take the initiative to inform.
2. Record notification: If you are in good health, the records left by the hospital or medical examination institution shall prevail.
3. Physical examination cannot exempt the obligation to tell the truth: Article 5 of Judicial Interpretation III of the Insurance Law promulgated on 20 15 clearly stipulates that when concluding an insurance contract, the insured shall go to the designated medical institution for physical examination according to the requirements of the insurer, and cannot exempt the insured from the obligation to tell the truth.
Finally, the insured can't give health advice in a perfunctory manner. To tell the truth is not only responsible for the insurance company, but also for yourself. Otherwise, it will be refused insurance or compensated by the insurance company because of the false information.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.