Fraud­ulent intent exists if the policy­holder or the insured person knowingly provides false infor­mation or conceals infor­mation. Such false state­ments or concealed infor­mation would normally result in the contract not being concluded in the first place. A fraud­ulent misrep­re­sen­tation exists, for example, in the following case: The insured person does not inform us that he/she suffers from a chronic heart disease, although this would be a criterion for exclusion.