Is the group insurance healthy and informed?

Insuring group insurance, sometimes because there are a large number of people and the insurance amount does not reach a certain standard, insurance companies sometimes do not need customers to provide health advice, so there is a risk of adverse selection. Because the insurance company did not require the customer to provide health information according to its own insurance rules, the insurance contract was concluded under such circumstances. If there is a risk, the insurance company should compensate, which is the responsibility of the underwriting staff of the insurance company.