隐瞒既往病史致申请保险理赔被拒 属于保险免责情形吗？

Core Viewpoint - The court ruled that intentionally concealing pre-existing medical conditions violates the principle of good faith, which constitutes an exemption from insurance liability [1][2]. Group 1: Case Summary - The case involved an employee, Fan, who concealed his history of epilepsy when applying for insurance coverage, leading to the rejection of his claim [1][2]. - Fan was diagnosed with epilepsy in 2023 and sought insurance compensation for medical expenses amounting to 82,800 yuan (approximately 12,000 USD) after surgery [2]. - The insurance company denied the claim based on the findings that Fan had previously been hospitalized for epilepsy in 2014 and 2020, indicating intentional concealment of his medical history [2]. Group 2: Legal Implications - The court emphasized that under the Labor Contract Law of the People's Republic of China, employees are required to disclose relevant personal information truthfully to their employers [3]. - The ruling serves as a warning to employees about the consequences of providing false information, which can lead to financial burdens in the event of medical claims [3].