The obligor includes not only insurance applicant , but also its agent and the insured .

告知义务人不仅包括投保人，还应包括投保人的代理人和被保险人。

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An applicant or a beneficiary defrauds insurance money by deliberately causing the death, disability or illness of the insured.

投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。

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The insurer shall issue to the applicant in good time, an insurance policy or other insurance certificate, which indicates the terms and conditions as agreed upon by both parties.

保险人应当及时向投保人签发保险单或者其他保险凭证，并在保险单或者其他保险凭证中载明当事人双方约定的合同内容。

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The omission from the application may be deliberate, to hide a health condition that might have made the applicant ineligible for insurance.

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If an applicant understates his income and receives a larger health-insurance subsidy than he is eligible for, the money must be paid back.

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Applied to fire insurance, that concept would require the insurer to charge no more for the applicant that calls with his house already on fire than for other applicants.

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