in the event that the applicant or the insured fails to disclose facts whether intentionally or unintentionally or makes misrepresentations that may cause to alter or lower the insurers estimation of the risk it will take on the insurer may cancel the insurance contract when a contingency requiring payment of insurance benefits has already transpired the insurer may likewise refuse to pay when the misrepresentations were germane to the contingency requiring payment

投保人或者被保险人有意或者无意不披露事实，或者作虚假陈述，可能导致保险人对其承担的风险的估计发生改变或者降低的，在要求给付保险金的意外事故已经发生时，保险人可以解除保险合同;与要求给付保险金的意外事故有关的虚假陈述，保险人也可以拒绝给付

以上为机器翻译结果，长、整句建议使用 人工翻译 。