A 60-year-old farmer suffered a snowstorm in his vegetable greenhouse and claimed120,000 property insurance. Insurance company: No compensation.

Friends who have bought insurance may know that there is a very important clause in the contract terms of insurance products called exemption clause. It is stipulated in the contract that if anything happens in the exemption clause after purchasing insurance, it is impossible to get compensation.

Many insurance claims disputes we usually see are caused by unclear exemption clauses. So today we will talk about the exemption clause of insurance claims through a real case!

Real case

Zhang, who is over 60 years old in Shandong, has been engaged in greenhouse vegetable cultivation for many years and is also a large local agricultural household.

From February 2065438 to February 2007, Zhang took out comprehensive property insurance for all his greenhouses and nursery sheds, with the insurance amount of160,000 yuan. According to the contract, the insurance company should pay compensation for crop losses caused by natural disasters.

However, just seven days after Zhang was insured, a local snowstorm suddenly occurred, resulting in heavy losses in Zhang's vegetable greenhouse. After accounting, the loss amount is120,000 yuan. After the disaster passed, Zhang applied to the insurance company for compensation.

The insurance company believes that Zhang's vegetable greenhouse is too simple, and the roof is made of plastic film, which belongs to the simple building agreed in the exemption clause and will not be settled.

Zhang's claim was fruitless, so he sued the insurance company to the court, claiming120,000 yuan.

The court held that when Zhang was insured, the insurance company knew that Zhang's greenhouse was a simple building. However, it did not fulfill its obligation to remind Zhang of the exemption clause, but chose to continue underwriting. Therefore, the exemption clause in this accident is invalid, and the insurance company needs to bear the insurance liability. In the end, Zhang's appeal was partially adopted and the insurance company was compensated 8 million yuan.

case analysis

All the cases listed in the exemption clause have not been resolved. In order to avoid disputes over claims after an accident, you must read the exemption clause carefully when you apply for insurance, and you must consult the staff if you are unclear.

So what does the exemption clause generally contain?

1, not telling the truth

This is the most common situation when you apply for health insurance. Before applying for health insurance, you don't tell your health status truthfully, but hide your insurance when you are sick. In this case, when you are in danger, the insurance company will not pay.

2. Deliberate insurance fraud

Some opportunists cheat high insurance premiums by lying about insurance accidents, deliberately creating insurance accidents, forging relevant evidence and fabricating false accidents. In this case, the insurance company does not bear the insurance liability.

3. Suicidal behavior

Many insurance products that pay only after death clearly stipulate that if the insured commits suicide within 2 years after the contract is established, the insurance company is not liable for compensation.

4. Illegal and criminal acts

Insurance companies will not pay for insurance accidents caused by intentional crimes.