A 42-year-old man accidentally fell to his death while staying in a hotel. Why did he buy accident insurance, but the insurance didn't pay?

Because there is less time on the subway, I brush my mobile phone from time to time. Perhaps by luck, I suddenly drew a classic insurance case that happened a few years ago. This case gives me a wonderful feeling, but it is meaningful on the whole. Let me share my thoughts with you.

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Case development

On July 30, 2009, Mr. Qian, a 42-year-old Hunan citizen, took his wife to travel to Yunnan. Before departure, Mr. Qian signed a travel accident insurance in the travel agency, which clearly stated that the travel accident insurance compensation was 300,000 yuan, and a travel safety accident medical insurance was added.

On September 20th of the same year, Mr. Qian came to Yunnan with a tour group and was arranged to stay in the 8th floor of a high-class business hotel/KLOC-0. Unfortunately, at about 5 am that day, Qian's wife suddenly found her husband falling from the hotel18th floor. After Mr. Qian was rushed to the hospital for treatment, he died after being rescued. After investigation by the local public security department, it was determined that Mr. Qian's case was a head injury caused by falling from a height and did not belong to a criminal case.

Qian's wife lost her husband because of a trip, and she was very sad. I thought that the insurance company could make corresponding compensation for the accident, but the insurance company refused to pay after receiving the application.

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Falling from a height to death was an accident. Why doesn't the insurance company pay for it?

The insurance company said that because Qian's wife could not provide relevant evidence to prove that Qian's death was a claim event agreed in the travel safety accident insurance clause, the insurance company was not liable for compensation.

For this statement, Qian's wife resolutely opposed it and filed a lawsuit with the people's court. According to the law, when the two sides disagree on the meaning of accidental injury, they should make a statement in favor of the insured and the beneficiary. After investigation and verification by the court, it was finally determined that the insurance company could not prove that Qian's death was caused by his own intention and negligence, so the insurance company should pay compensation of 300,000 yuan to Qian's wife Li.

In fact, the insurance company should have paid for Qian's accidental death, so it is not surprising that Qian's wife can get 300 thousand compensation.

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So what other issues should be paid attention to about travel accident insurance?

(1) Be cautious when applying for insurance in travel agencies. Many people think that travel agencies don't need to buy other travel insurance after taking out insurance, but in fact, the insurance your travel agency buys will only pay for the economic responsibility of the travel agency's negligence or negligence, and tourists generally won't pay for their own accidents, so I suggest you take out a travel accident insurance yourself during the travel process.

(2) Accident insurance does not mean that the higher the insured amount, the better. According to local conditions, you need different protection in different regions, just like the United States and Canada, countries with high medical expenses need at least 200 thousand protection; Countries like Thailand and Malaysia only need insurance of 6.5438+10,000 yuan, and it is also a waste to buy too much and not use it.

(3) Pay attention to the travel terms. When buying travel accident insurance, you must carefully look at the scope of insurance and consider what you need. At present, there are many types of travel insurance, and the scope of responsibility is different, which should be decided according to the actual situation.

Therefore, I suggest that you must be careful when traveling. We travel to enjoy this happy process. If it is an accident caused by travel, this result is definitely not what we want to see.