Hello, moral hazard factors refer to intangible factors related to people's moral cultivation, that is, factors that cause property losses and personal casualties due to people's dishonesty, dishonesty or bad intentions. Such as fraud and arson of the insured or the insured, are all moral hazard factors. In the insurance business, the insurer shall not be liable for compensation or payment for the economic losses caused by moral hazard factors of the applicant or the insured.
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