每经记者|涂颖浩 每经编辑|黄博文 重疾险本是应对大病的"救命钱""缓冲垫"，然而，买的时候流程简单，真要理赔时却被各种理由拒赔，对于这种情形，保险消费者最 为担心。 《每日经济新闻》记者注意到，北京市西城区人民法院近日发布的《涉重疾险纠纷审判白皮书（2021~2024）》显示，大多数重疾险拒 赔案件中，保险公司拒赔理由相似，主要集中在健康询问环节、理赔环节和免责条款效力认定等方面。值得关注的是，"投保人未履行 如实告知义务"是保险公司排位第一的主要抗辩理由。 每经媒资库图 对于"未告知既往症""等待期"这些保险术语，不少消费者感到困惑："自己并不了解它们代表的确切内容，如果因此被拒赔了该怎么 办？" 《每日经济新闻》记者注意到，在法院判决中，这些情况都能赔。 案例1：应赔付 概括性条款不能视为明确询问，投保人未作答不构成违反如实告知义务 重疾险理赔纠纷中，"如实告知义务"界定常成争议焦点。北京市西城区人民法院审理的一起重疾险案件明确裁判规则：保险公司以"身 体的其他感觉异常或活动障碍"等概括性条款主张投保人未履行如实告知义务的，法院不予支持。 2019年11月19日，秦某通过线上方式投保某保险公司重疾险。 ...

Core Viewpoint - The importance of "full disclosure" in insurance contracts is emphasized, as it is crucial for the validity of policies and the smooth processing of claims [1][2]. Group 1: Importance of Full Disclosure - "Full disclosure" is a fundamental legal obligation for policyholders, directly affecting the validity of the insurance policy and future claims [1]. - Insurance operates on the principle of utmost good faith, where insurers rely on the information provided by policyholders to assess risk and determine premiums [2]. - Failure to disclose relevant health information can lead to the cancellation of the contract and denial of claims, as stipulated by the Insurance Law of the People's Republic of China [2]. Group 2: Common Misconceptions - Misconception 1: "If the health check is normal, there is no need to disclose." This is incorrect, as health inquiries cover more than just the results of a health check [3]. - Misconception 2: "The agent said there is no need to disclose." Oral promises from agents are legally invalid; the policyholder is ultimately responsible [3]. - Misconception 3: "If two years pass, claims will definitely be paid." This is a misunderstanding of the "two-year incontestability clause," which requires good faith in the application process [3].