A 53-year-old man fell down and died while going downstairs. The insurance company refused to pay 600,000 yuan. Why did the court agree?

Whoever buys accident insurance these days is the one who is crazy? The court agreed because the insurance company did act according to the contract. The core reason why I said whoever buys accident insurance is the one who is crazy is that the limitations of the accident insurance itself almost guarantee that you will not be able to get the money. 1. A 53-year-old man fell down and passed away while going downstairs. Why wasn’t he compensated even though it was an accident?

First of all, let me give you a popular science concept. The claim requirements for accident insurance are as follows: external, sudden, unintentional, and non-disease. In other words, you can only Compensation can only be obtained if all these four conditions are met. For example, if you are walking downstairs at home and a high-altitude object is thrown directly and kills you, as long as you are not in cahoots with this person, you will be able to get accident insurance. However, if you die of cerebral infarction after this thing hits you, then I'm sorry, but you still won't be able to get the money.

This is the case for the uncle in this question. It was indeed an accident when he fell and stepped on the air, and it was not his intention. However, the uncle eventually died of cerebral hemorrhage. Cerebral hemorrhage is a disease, so the uncle’s family will claim 600,000 yuan. fail. But friends, if you think about it, if anyone's head is hit hard, he will have cerebral hemorrhage before death. Cerebral hemorrhage is a disease. Isn't this unsolvable? Does it only count if you are accidentally stabbed to death on the road? Oh no, it probably won’t work, because no matter how you die, as long as the part that caused your death falls into the category of disease before you die, then you won’t be able to get the money. Tell me, isn’t this the overlord clause? 2. Be careful when buying insurance. Most insurances are difficult to pay.

Do I need to buy insurance? The answer is simple, it must be necessary. Because judging from today's housing prices and medical treatment prices, except for families above the middle class, a serious illness will basically end the family. The hundreds of thousands spent in the ICU are probably not even enough to last two weeks. At this time, the role of medical insurance and critical illness insurance is particularly important. But this does not include accident insurance.

In fact, early accident insurance compensation was not so complicated, but it was precisely because the terms at that time were not clear enough that many people took advantage of some loopholes and caused a lot of losses to the insurance company, so that accident insurance Today, it has become almost impossible to obtain compensation. This is why I say that you must be cautious when buying insurance. Today, when the insurance industry is no longer boycotted by people, various insurance companies have launched a variety of insurance types, but almost all of them are pitfalls.

I won’t say which insurance company is specific. Under the guise of selling insurance, there are not a few who use different types of insurance to defraud consumers of tens or even millions. Even most insurance companies have begun to engage in financial management. Products are competing. An insurance seller in my circle of friends recommends their insurance company’s fund projects to me every day. Do you believe this kind of thing? Should I still use you to buy funds? I myself and the fund manager are better than giving you these things. So, back to the topic, don’t buy accident insurance, and be careful when buying other non-mainstream insurance types!