User question:To my mother's an insurance policy, is a major disease + hospital + accident, but did not participate in physical, not that we did not ask, but the salesman did not ask to do so once the claims of the things insurance companies can play in this trouble?
Experts answer: If your mother's body without any problems when taking out policies for the health of the truthful informed that the insurance company and does not require physical examination, after the underwriting of the insurance contract that is protected by law, the contract took place in the future, the risks, the insurance company not entitled to any reason (except for exemption from liability) for exclusions. If the insured before the mother, some health problems in insurance, whether done truthfully tell? Please refer to the insured at that time a copy of the book, tell the health of those issues choice, whether and state of health consistent with your mother, confirm whether it has been altered. if and when the insured does not match the real situation, the need for a healthy complement this.

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