1. Liu was dissatisfied and took it to court. He claimed that when insurance salesman A came to the door to contract business, he had truthfully informed the salesman that the insured had suffered from "cerebral arteriosclerosis" in the past. "symptom", but A said "it's okay, it will not affect the insurance coverage", and actively helped Liu fill out the policy and handed it over to Liu for signature.

If Liu can produce strong evidence to prove what he said, then according to the insurance law, the agent's behavior will be regarded as the behavior of the insurance company, and the agent's knowledge will be regarded as the insurance company's knowledge, and the insurance company should take legal action against Liu. compensation. Any violation of regulations by its agents shall be dealt with accordingly by the insurance company. In addition, due to the particularity of the insurance contract, a judgment should be made in favor of the insured. But it should be noted here that it is not easy to produce such evidence!

2. I think the insurance company should not pay compensation in this case. Although the insured had a physical examination and paid the premium as required by the insurance company, he failed to truthfully disclose his past medical history and failed to fulfill his obligations as an insured. The insurance contract should be invalid and the insurance company has the right to Lift.

3. If the policy holder or the insured fails to fulfill the obligation of truthful disclosure due to negligence, which is enough to affect the company's decision whether to agree to underwrite or increase the insurance rate, the company has the right to terminate this contract; If the accident has a serious impact, the company will not be responsible for paying the insurance premium for the insured accident that occurred before the termination of this contract, but will refund the insurance premium after deducting the handling fee.

The case stated that "in the event of an insured accident occurring before the termination of this contract, the insurance premium will be refunded after deducting the handling fee." After agreeing, he used his sister Fangyuan's (twin sister's) ID card and his own photos to handle all travel procedures, and also bought an outbound travel personal accident insurance." The travel agency knew about this situation, but could not prove that the insurance company knew about this situation. Therefore, the claim can be rejected.

The three answers are all my own opinions. Whether they are correct or not requires official opinions O(∩_∩)O Ha!

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance