案例:李某从2005年11月起出现走路不稳、头疼等症状。2009年8月,由于李某走路不稳加剧,医院对其腿部进行拍片检查后,诊断其腿部正常。2009年9月,李某上小学一年级,其学校为全体学生投保了住院医疗保险,保险条款中规定“因被保险人投保前已患有的疾病的治疗,造成被保险人发生医疗费用,保险公司不承担给付保险金的责任”。投保时投保书中“被保险人健康告知”栏未填写,并且被保险人免体检。但投保人在投保书中已声明被保险人皆全日正常在校学习。2009年11月,李某确诊为髓母细胞瘤。其父亲申请理赔,要 Case: Lee from November 2005 appeared walking instability, headache and other symptoms. August 2009, due to increased walking instability Lee, the hospital for film examination of the legs, the diagnosis of normal leg. September 2009, Lee on the first grade, his school for all students insured inpatient medical insurance, the insurance provisions of the “because of the insured person already covered before the treatment of the disease, resulting in the insured person medical expenses , The insurance company does not assume the responsibility to pay the insurance money ”. Insurance insured book “Insured Health ” column is not filled out, and the insured person free medical examination. However, the insured person has stated in the application letter that the insured persons are all normally studying at school. In November 2009, Lee was diagnosed with medulloblastoma. His father applied for claims, want