Tourists died of "altitude sickness" insurance and refused to pay compensation.

Tourists died of? Altitude sickness? Refuse insurance

June 5438+last year 10, Zou Qin, a 69-year-old retired Guangdong teacher, died of sudden cerebral embolism due to altitude sickness on his way to Jiuzhaigou. A year later, his wife and children and the insurance company? Altitude sickness? Who does it belong to? Accident? The dispute was fierce, and the claim was 6.5438+0.2 million. Yesterday, this rare insurance claim lawsuit caused by altitude sickness was heard in Qingyang District Court of Chengdu, Sichuan.

Zou Zhan, the son of Zou Qin, said that in 2005, his retired parents went to Chengdu to play and took part in a tour organized by a travel agency in Chengdu to Jiuzhaigou and Huanglong scenic spots. At the same time, they paid travel personal accident insurance fees to travel agencies and bought travel accident insurance in an insurance company. Zou Qin is the insured. Unexpectedly, 10, at around 7 pm on June 6th, Zou Qin was transferred to the Third People's Hospital of Chengdu for emergency treatment because of severe altitude sickness (altitude hypoxia) in Chuanzhusi Town, Songpan County at an altitude of more than 3,000 meters. But a month later, Zou Qin died after treatment.

Zou Zhan said that his father spent nearly 6.5438+0.3 million yuan in medical expenses during his hospitalization. After his death, they negotiated with the insurance company many times to settle claims, but they were all rejected. Due to fruitless negotiation, in March this year, he entrusted Sichuan Hongze Law Firm to file a lawsuit in Qingyang District Court, demanding that the insurance company pay the insurance premium of 1.2 million, and at the same time asking the travel agency to bear joint and several liability.

I bought accident insurance, why can't I get financial compensation? Because altitude sickness is not an accident! ? Diao Hong, the attorney of the insurance company, said that the insurance company's definition of an accident is:? External, sudden, non-disease and involuntary events? . Tourist attractions are very high above sea level, and there will be altitude sickness. Visitors should take precautions before joining the group. Therefore, altitude hypoxia is only an external condition, which is predictable, not accidental.

The reporter's investigation found that whether the injury caused by tourists' altitude sickness is an accident has become the focus of controversy between insurance companies and policyholders. According to Mr. Lan, a veteran of a property insurance company in Chengdu, 30% of tourists will have altitude sickness when they enter the plateau, but the severity is different. Teacher Zou's case is rare. Insurance companies generally pay for accidental falls in plateau areas, but generally do not pay for diseases or deaths caused by altitude sickness.