Insurance practice analysis, help!

You don't need to look at the whole event! We found the cause of death according to the proximate cause principle of insurance, and it was clear!

The most critical part of this case is that the intestine is displaced, resulting in death!

Well, as long as it is proven: intestinal displacement, it is not a disease, it is an accident!

It's as simple as that!

As for whether "intestinal displacement" is a disease or not, the answer is obvious! He is the disease. Because it cannot be proven, he must be the culprit who caused the "intestinal dislocation and caused blockage" when he wore shoes!

He could have said that I was a rock that flew over and caused "intestinal dislocation and caused a blockage" to get compensation more easily!

Therefore, the first proximate cause of death is the disease "intestinal dislocation and obstruction".

As a result of the insured, the purchase of "accidental injury" insurance!

So, it is not possible to get compensation!!

In addition, I will correct the misconception of "fishing for laughter" on the second floor!

In accident insurance! Only accidental injury, no accident insurance!

Accidental injury: refers to an external, sudden, unintentional, and non-diseased objective event that causes physical injury.

This is the insurance law, clearly defined, accident insurance!

You can't say that I got some disease unexpectedly! This is incorrect! Because it is "accidental injury" insurance, you must not ignore the word "injury" at the back.

We can refer to the fact that someone, going downstairs, fell, caused a heart attack, and died unexpectedly! The family of the insured found the insurance company to settle the claim, the insurance company refused to pay the claim, and finally fought in court, and finally the Chinese People's Court ruled that the insured could not obtain the compensation of the "accidental injury" insurance. The crux of this case is whether it was an accident or a disease, and it is clear that a heart attack is a disease, because he did not fall to his death, but died of disease.

What's more, there is no necessary relationship between accident and illness.

Hope it helps.

If it's life insurance, then 100% of the compensation will be paid!

Absolutely accompanied. Can't you wear socks if you're fat?

What is called an accident.

An accident is an unexpected, unfortunate event.

And the deceased had no idea that wearing a sock would become the cause of his own death.

He does it every day.

If that's not an accident.

The dead man wasn't already dead.

According to the statement on the first floor, why do you want to take a car when you know that you can get into a car if you take a car.

So this definitely counts as an accidental death.

And I personally don't think this is an accidental injury, because he knows that he is fat, and he still wears thinner socks!The insurance company will not pay, and even if it is sued, the probability of the insured winning is not more than 30%.

The accident must be "non-diseased", and intestinal dislocation is a disease, because not every obese person will cause intestinal dislocation every time they wear socks. The cause of death was "intestinal dislocation and obstruction", so it was not an accident. The insurance company will deny the claim.

Because it is not covered by accident insurance. If A has other life insurance, he can refer to the death benefit conditions in his insurance liability to make a claim

If it is caused by one's own body, it should not be compensated. Accident refers to an irresistible event caused by external forces that is not subjective, unintentional, or unintentional. The family's mood is understandable.

But if you want to go to court, you won't be compensated. It's like chickens laying eggs and laying chickens, it's not clear. That is to say, there is a basis for self-interest.

But in the end, it was impossible to decide. Even if the law is biased in favor of the insured, the reasons are insufficient.

Not necessarily. Employment direction of insurance practice.

The employment fields of insurance practice include: business development, underwriting, underwriting, investigation and loss assessment, claim verification, risk management consulting and other related business positions of insurance companies, as well as business positions of insurance intermediary companies such as insurance brokerage companies, insurance adjusters and insurance companies.

Employment prospects for insurance practice majors.

Over the past ten years, health insurance has grown from scratch, from small to large, and on the whole, it has achieved a certain degree of success, and has cultivated a group of urgently needed professionals for the society. However, looking at the development process of health insurance in the past ten years, we can clearly see that the profession (direction) seems to have been in a tepid state of development. Whether it is in the twentieth century, when health insurance is not taken seriously, or in the new century when health insurance is developing rapidly, there has never been a scene of "prosperity refers to prosperity" in this profession (direction).

The difference between health insurance or medical insurance and other majors (directions) in insurance is that it is a combination of insurance and medicine, management, statistics, sociology and other disciplines, especially medicine plays a very important role in this major (direction). From the perspective of talent training objectives, the insurance practice major (direction) focuses on cultivating insurance professionals who have a relatively broad theoretical foundation in modern economics, finance, insurance and actuarial science, master modern medical knowledge, and can use modern information technology to analyze and deal with insurance management issues. Its purpose is to train high-level professionals engaged in medical and health insurance work or teaching and scientific research for commercial health insurance institutions, various medical institutions and colleges and universities.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. The pledge of the insurance policy is invalid, because the pledge of the insurance policy, the change of beneficiary, etc., requires the written consent of the insured, that is, A.

2. B's claim is not valid, and it is true that he is the heir, but not the beneficiary. He can inherit an estate other than A's insurance claims, and the insurance proceeds can only be given to the named beneficiary, and will only be treated as the insured's estate if no beneficiary is named.

3. The court decides in favor of C, B needs to return the policy, and C files a claim application with the insurance company to obtain the insurance money.

As for C's lack of ability to take care of himself, then the insurance money will be kept by his guardian (who may not be B) to take care of C's life. However, the ownership of the insurance money still belongs to C.

1: Invalidity, change of insurance contract, pledge, withdrawal of account balance (investment-linked, universal insurance) beneficiary, etc., these matters shall be agreed by both the policyholder and the insured.

2: No, after the beneficiary is specified in the policy, the insurance money should be distributed according to the situation of the beneficiary project. If there is no clear beneficiary, the inheritance can be carried out according to the inheritance, according to the first priority, or the second succession.

If there are no heirs, the insurance money is confiscated and goes to the state.

3: The insurance money cannot be used to repay the debt in any name and way, and C shall receive the insurance money in accordance with the contract. As for the debt between A and D, it is the debt of A, together with A's other assets during his lifetime, to be inherited to his two children B and C in accordance with the inheritance law.

1: invalid, 2: the heir is established, but the claim for insurance money cannot be used as a ground, 3: the court should order B to return the arrears owed by D, reject B's request to receive the insurance money, require D to return the policy, and award the insurance money to C. B can act as C's guardian to escrow the insurance money. and take care of C's life.

No. 1. Insurance interest refers to the interest that the policyholder should have legally recognized and can be measured by economic value of the subject matter of insurance.

2. The purpose of affirming the principle of insurance interests is to prevent moral hazard.

3. The insurance interest of property insurance is based on the property rights of the policyholder to the insurance object, such as ownership, possession, custody, etc.

Judging from the above example, the policyholder is actually still a citizen, because the premium is deducted from the annual fee paid by the citizen. Accident insurance protects the person or the person, and when the citizen is injured, his loss is only his own, and the bank has no loss, and the bank cannot have an insurance interest.

This case is of little practical significance. Let me give you a few examples: community fire insurance for community residents, nationwide rural housing insurance, new rural cooperative medical care, etc.