I have a physical examination in an American university every year, and I am sick. I was insured and refused to pay when I settled the claim. Is it reasonable?

I think the insurance company's approach is reasonable. First, it's good that the insurance company didn't sue you for insurance fraud. Second, as a customer, it is impossible to escape the suspicion of fraudulent insurance if he knows that he is sick. Second, if the customer explains that he is ill when filling out the insurance policy, it is the insurer's fault that the insurer promises to take out insurance in order to improve the performance. Insurance companies have the responsibility in this regard and think that the company's management is lax.