According to Article 16 of the Insurance Law, the insurer shall explain the terms of the insurance contract to the applicant, and may ask the subject matter of insurance or the insured, and the applicant shall truthfully inform him.
The insurer has the right to terminate the insurance contract if the applicant intentionally conceals the facts and fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which is enough to affect the insurer's decision on whether to agree to underwrite or increase the insurance premium rate.
Therefore, if the consumer fails to tell the truth when giving health advice and is out of danger later, the insurance company can not only refuse to pay compensation, but also have the right to terminate the insurance contract.
Generally speaking, health notification is an investigation made by insurance companies to predict risks before underwriting. One is to prevent customers from cheating on insurance, and the other is to control the claim rate. I also want to know about the friends who are informed of health. You can click on the following article to find out: Is the health notification from the insurance company making things difficult for us?
Therefore, if you don't tell the health information truthfully, it will have a great impact on the follow-up claims. In serious cases, it will be recognized by the insurance company as fraudulent insurance and suffer from jail. Therefore, when we inform health, we must follow the principle of utmost honesty, answer whatever we ask, and don't ask what we don't answer. The looser the health information, the better for our consumers. Then, I would like to recommend several critical illness insurance products with loose health information. Don't miss it: the latest! The top ten health warnings are loose, and the critical illness insurance is large!
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