This kind of situation, which belongs to liability exemption, refers to the insured's own insurance accident, which is not within the scope of protection. For example, the insured bought dividend insurance and applied for compensation because of illness, but because the insurance liability of this type of insurance does not include medical insurance, it naturally does not pay.
The insurance accident belongs to the liability exemption clause, and the items that will not be paid for such as suicide within two years have been clearly listed. Intentionally creating an accident in an attempt to defraud insurance means that some insured people deliberately lie about the insurance liability accident and deliberately exaggerate the severity of the accident, and the insurance company can refuse to pay compensation after finding out the facts.
It is a common situation to conceal the health status of the insured, that is, it is often said that the insured did not tell the truth when applying for insurance. Insurance companies are not aware of some health and economic conditions of the insured when they take out insurance, which will usually have an impact on the insurance company's decision whether to agree to underwrite or how to underwrite.
In addition to the above four typical situations, there are other people signing on behalf of them.
Finally, what needs to be corrected is that it is often said that insurance claims are easy, but insurance claims are an act performed in accordance with insurance contracts. If you can know more about the products when you buy insurance, it will be much easier to settle claims.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.