If the insurance company refuses to pay compensation or is exempted from compensation, will it inform the insured, and if so, in what way?

Your question is explained in two parts:

First of all, all claims in the insurance policy need to be supported by reasonable basis, otherwise the claim or refusal to pay compensation will be delivered to the customer together with a written explanation (the agent will deliver it or express it on his behalf).

Second, the deductible clauses of all policies will be indicated in the contract, and the insurance liabilities other than the deductible clauses are within the scope of claims by default (the terms of online products need to be downloaded separately).