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A man died suddenly while working overtime in Nanning, Guangxi. The man named Xiao Zhang is 30 years old this year. He is an employee of a joint venture in Liangqing District, Nanning, Guangxi. Xiao Zhang fainted at work because the company worked overtime for several days. Although he was rushed to the hospital for emergency treatment by his colleagues, he still failed to save Xiao Zhang's life.
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Xiao Zhang's wife is very sad. After dealing with Xiao Zhang's funeral, she remembered that Xiao Zhang had bought comprehensive personal accident insurance for the whole family. The insured amount was 2.4 million, and Xiao Zhang's wife submitted a claim with the insurance policy. I think families who have lost their support can live better because of the amount of compensation. But five days later, Xiao Zhang's wife received a notice that the insurance company refused to pay the deposit and terminated the original insurance contract.
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The insurance company did not give a clear answer, which made it difficult for Xiao Zhang's wife to accept. The death of her husband brought heavy harm to this poor family, but I didn't expect the insurance company to deny it after signing the contract. Xiao Zhang's wife not only questioned the insurance company, but also exposed it to reporters.
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The reason why the insurance company refused to pay compensation faced the question of Xiao Zhang's wife, and the insurance company also gave an answer. Xiao Zhang bought personal accident insurance to settle claims. Personal accident insurance must meet the four hard indicators of "foreign, sudden, unintentional and non-disease". Xiao Zhang's sudden death is due to a potential disease in Xiao Zhang's body, which does not meet the "non-disease" claim standard of accident insurance. So the insurance company refused to pay the claim.
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In fact, the statement given by the insurance company is quite reasonable. Because the medical definition of sudden death is "a person who looks very healthy suddenly dies because of some potential disease or dysfunction." In other words, sudden death is generally caused by diseases, not accidents.
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In addition, accident insurance is different from other types of insurance, and its effective time is limited. Some insurance will not take effect until the second day of insurance, and some types of insurance will not take effect until 3 to 5 days after insurance.
Even if the insurance company claims, it must be after the insurance contract takes effect. If the contract takes effect within three to five days, the insurance company will not pay for the accident within two days.
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In the end, Xiao Zhang's wife was not satisfied with the statement given by the insurance company. According to his wife, Xiao Zhang's health has always been very healthy, and there is no problem even in physical examination.
When the salesman of the insurance company came to sell accident insurance, he only explained that "as long as it is not suicide, it can be compensated." But now there are many conditions for refusing compensation out of thin air, and my wife thinks this is fraud by the insurance company.
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In order to prove that his wife was not lying, she asked the insurance company to confront the original salesman, but the insurance company refused Xiao Zhang's wife's request on the grounds that the salesman had left.
Public opinion is constantly fermenting on the Internet. Under the pressure of the Insurance Regulatory Bureau, in order to maintain the corporate image, the insurance company returned the original premium to Xiao Zhang's wife and terminated the insurance contract.
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Things are handled here, and the result is already very clear. Both the insurance company and Xiao Zhang's family are actually responsible. Insurance company salesmen have deceptive behaviors of exaggerating propaganda and false sales.
Xiao Zhang's family didn't look carefully when signing the contract, which led to such a problem. I must remind you here that you must ask every detail before taking out insurance. Don't always listen to the salesman's introduction, but read every chapter of the contract carefully.
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Public opinion denounced that although the insurance company acted according to the contract, the experience of Xiao Zhang's family still made many netizens feel uneasy. Insurance is very common in our daily life. Like Xiao Zhang's family, there are not a few people who think that insurance can pay but can't pay in the end. Xiao Zhang's story has aroused heated discussion among many netizens.
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Some netizens commented on insurance companies. They are grandchildren when they sell insurance and grandfathers when they settle claims. After the contract was signed, it was even more difficult to claim compensation.
A claim contract always runs seven or eight times, and it is impossible to get accurate compensation. When settling claims, insurance companies will find various reasons and excuses to avoid it.
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There has always been such a story around me. I have an aunt who has had two ectopic pregnancies. The insurance salesman went to my aunt's house and claimed that my aunt's situation should be insured.
If you are hospitalized again because of ectopic pregnancy, the insurance company can settle the claim. Seeing the hype of the insurance salesman, my aunt bought an insurance. However, when my cousin was hospitalized for ectopic pregnancy again, she learned that ectopic pregnancy was not covered by insurance.
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Nowadays, in order to promote their products, many insurance salesmen always deliberately use concealment, deception, inducement and other means to promote their products to customers. The customer signed the contract under the guidance of the salesman, but the news after the accident was that he refused to pay the claim.
Many people think that insurance in China lacks the spirit of contract, and the quality of insurance salesmen is uneven. In the long run, it may destroy the domestic insurance industry.
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Insurance is a good thing, its original intention is to avoid risks in advance and help individuals and families tide over the difficulties. In many cases, possible risks can indeed be passed on.
However, many insurance companies will violate the spirit of contract in actual operation. When customers really need to make claims, they will find various reasons and excuses to evade, so that the insured will suffer greater economic losses.
At the same time, the internal involution of insurance companies is very serious, and various systems are aimed at the performance of salesmen. This is why salesmen cheat customers.
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To standardize the insurance industry, we need to vigorously rectify and standardize the operating standards of the whole industry. Let those bad insurance companies that participate in false propaganda and deceive customers completely eliminate this industry.
At the same time, insurance companies should conduct unified training for their sales staff and strictly examine those behaviors that deceive customers to conduct business.
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For many poor families, insurance is a good thing. It can help you tide over the difficulties in times of crisis. However, in practice, due to some dishonest companies, it is difficult to give customers a safety belt. Now we need to rectify and standardize the insurance industry, and we must not destroy the whole industry because of various drawbacks in the industry.
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Xiao Zhang's sudden death was deeply regrettable and sounded the alarm for us. Nowadays, news of young people's sudden death is not uncommon. Many young people are induced to die suddenly by working overtime all night and staying up late for a long time.
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Young people live under great pressure, and it is common to overdraw their health for work. But this is actually an act of putting the cart before the horse. In this world, nothing is more precious than our health and life. I hope everyone can take care of themselves and work hard for their work, never at the expense of health.