Data:2009-12-12 2:34
Category: Insurance tips Release Date: 2006-08-01
Unintentional injuries, including accidents and injuries has two meanings. Accident is against the behavior is I can not foresee, or contrary to the subjective wishes of the insured person; injury refers to the insured person's body has been infringed upon objective facts.
To determine the insured person suffered the injury whether it is accidental injuries, according to the interpretation of life insurance companies must have the four conditions:
(1) the unintended; (2) external; (3) sudden; (4) non-diseases.
For example, a primary and secondary school students to participate in the student safety insurance, liability insurance is additional accidental injury accidental injury medical care. Fourth-grade students in Lee playing in the playground when students accidentally kick, just play in the stomach. Stomach pain more than the night, parents send their children to hospital for treatment, after doctors diagnosed as acute appendicitis, quickly made the surgery to remove spent a total of 1380 medical expenses. After discharge, the parents claim to the insurance company. But the insurance companies think that this does not belong to insurance liability, and therefore refused to pay.
The reasons are: the incident on the surface in line with the non-intended, the children were students kick; outside, the virulence of the "feet" from outside the body; sudden abdominal pain occurred on the night forever, and time is very fast ; but in the end a non-disease conditions, does not conform with appendicitis is not the fact of injury caused by accidental injury, but the internal organization of the body of the lesion, and therefore this event is still not constitute an accidental injury, the insurance company refused to pay is reasonable.
However, if the student safety insurance to add additional insurance hospitalization medical insurance, and Lee's medical expenses can be borne by the insurance company.
