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Because the insurance contract is the biggest contract in good faith, the proposer and the insured should be to protect the security and within the scope of the examination table, and insurance companies ask the physician to check health matters specified time, the need real details for more detailed instructions or write clearly, you can not fault omission, concealment or deliberately not told the truth thing. Otherwise, the insurance company after the contract set two years may rescind the contract; even after the accident also not be liable, unless the proposer (or the insured) can prove that the cause accident insurance has nothing to do with non-disclosure matters. And not entirely due to the duty of disclosure when the cancellation of a contract, the premium paid shall be refunded.
Underwriting officer shall be to protect the book presentation, the sales staff directly to the relevant business experience to judge the government or other insurers or credit information agencies and other customers of important information to assist. Further analysis of risk factors, risk factors if the average is higher than the general standard, and can not be avoided, removed or reduced, the underwriting insurer might recommend increasing the coverage limit or direct insurance coverage.
This article by descriptive sense and meaning of the underwriting of the obligation of, and for how honest obligation to inform and underwriting practices, with the case study results, to discuss the research clearly and study purposes of illustration, the last separately for Taiwan insurance law, the competent authorities insurance companies and make recommendations for reference.
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