No, the hospital. During the observation period, the insurance company knows.

You can't get compensation if you are diagnosed with a major illness during the waiting period! ! ! If you want to buy insurance, you'd better not have a physical examination first, because you should be informed of your health before you take out insurance. If something goes wrong, you won't be told. If the insurance company finds out, it is easy to be refused insurance or compensation! Let's talk about the waiting period claim:

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.