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</html><description>As mentioned in the previous section, insurance contracts are based on trust. The nature of the subject matter of insurance and the circumstances pertaining to it are facts within the knowledge of the policyholders. Insurers, on the other hand, are not aware of these facts unless the policyholders tell them. The policyholders must tell the whole truth.</description><thumbnail_url>https://seniorclic.hk/wp-content/uploads/print.svg</thumbnail_url></oembed>
