Those who understand insurance litigation come in and have a look, and solve it urgently.

1. Accident insurance has nothing to do with the health of the insured. Is the reason for refusing insurance established?

Did the salesman on the 25th give a notice of refusal to pay compensation or insurance?

If the salesman gives a notice of refusal to pay compensation, it means that the insurance company thinks the contract is established and refuses to pay compensation on the grounds of health.

This is definitely not true. Accident insurance has nothing to do with health. As long as the contract is established and takes effect, the accidental injury should be paid by the insurance company.

If the salesman gives a refusal notice, it will be more troublesome. See the following:

2. Should the insurance company bear the insurance liability?

The key is whether the contract is established.

An insurance policy is an offer in a contract, and the insurance company agrees to underwrite the contract. In this case, although the insured paid the premium and filled out the insurance policy, the insurance company refused to underwrite it.

City Company 19 indicates that it is not underwritten, and the county company inquires about the refund account of the insured, which can be regarded as that the company does not agree to underwrite. So the contract is not established.

Therefore, the insurance company is not responsible for the injury of the insured on the 24th, but should refund the premium as soon as possible.