Don't you pay for the wrong health notice?

Failure to give health advice does not necessarily lead to refusal to pay compensation, which needs to be analyzed according to specific circumstances. Some claims can be made without telling the truth, but they need to be analyzed through specific cases. Everyone should understand that it is very important to tell the truth when taking out insurance and never conceal health information. If the health notification conceals the real situation and the consequences are serious, the insurance company has the right to refuse to bear the responsibility of claim settlement after the insurance accident and will not refund the premium. For example, if you don't know that you have a past illness, the insurance company will be liable for claims two years after the policy takes effect. Of course, when you need to make a claim, the insurance company will find out your illness and will not pay you if you don't meet the requirements.

Failure to tell the truth affects the underwriting conclusion of the insurance company, such as excluding underwriting, increasing expenses, refusing insurance, delaying, etc. In this case, the insurance company has the right to terminate the contract with you. For example, if you have hepatitis B, you can increase the insurance premium by notifying the insurance company. However, in order to save money or deliberately hide it from the insurance company, it is reasonable and legally supported to cancel the contract directly with you when you are in danger. Intentional/malicious failure to inform, the insurance company can refuse to pay compensation and not refund the premium! For example, if you are suspected of cancer in a hospital, you should buy a critical illness insurance quickly, and wait for the waiting period to find the insurance company with the materials to claim compensation; The insurance company will not pay for it, and will think that you deliberately concealed the insurance fraud, and the circumstances are bad, and even the premium will not be refunded! If the insurance company fails to tell the truth due to gross negligence (such as forgetting/being misled by the agent, etc.). ), the insurance company will also refuse to pay, but will refund the premium. This situation is similar to the second one, in which the insurance company refuses to pay compensation because it has not told the goods truthfully, but the second one is bad in nature, maliciously defrauding insurance, and the insurance company does not refund the premium.

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