2. Some clauses stipulate that diseases before insurance are not compensated, and some clauses stipulate undisclosed past diseases. There are different understandings. The disease before insurance is a disease that must be diagnosed or treated clearly, while the past disease is a vague concept. If we broaden our understanding, in addition to the diseases clearly diagnosed before insurance, we also include the symptoms before insurance, which depends on whether the standards are relaxed or tightened. If the standard is relaxed, we will compensate.

In addition, some insurance clauses also stipulate that orthopedic surgery is not compensated. If some companies implement strict standards, they may also think that this orthopedic surgery is orthopedic surgery without compensation;

As far as I know, most of the insurance is lost.