Although some critical illness insurance does not require a medical examination at the time of purchase, it is necessary to truthfully fill in the health status of the insured at the time of purchase. There are usually the following situations:
1. The insurance contract shall be terminated if the failure to tell the truth intentionally or due to gross negligence is enough to affect the decision to agree to underwrite or increase the insurance premium rate.
2. If it is deliberately untrue, the insurance company is not responsible for paying the insurance premium or returning the insurance premium for the insurance accident that occurred before the termination of the contract.
3. If the insured accident is seriously affected due to gross negligence, it may not be responsible for paying the insurance premium of the insured accident that occurred before the termination of the insurance contract, but only refund the insurance premium.