The underwriting responsibilities of health insurance are as follows

In health insurance, the liability of an insurance company for not paying insurance benefits can be roughly divided into statutory circumstances and agreed circumstances:

I. Statutory circumstances: (1) The insurance accident has occurred: the insurance risk must not have occurred at the time of insurance, otherwise the insurance company will not underwrite or claim; (2) Intentionally causing an insured accident: including the insured and beneficiary intentionally causing an insured accident, and also including the insured intentionally causing an insured accident.

Second, the agreed situation: if you get sick during the waiting period; Legal infectious diseases; Plastic and cosmetic surgery, non-accidental dental plastic surgery, diseases, disabilities and deaths caused by unreasonable medication in violation of doctor's advice. The specific details shall be subject to the exclusion clauses in the insurance contract terms.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.