From 2065438 to March 2007, Liu felt unwell and went to the hospital for examination. He was diagnosed with acute myocardial infarction, so he sorted out the information and applied for compensation from the insurance company.
After some investigation, the insurance company found that Liu was diagnosed with cardiomyopathy and mild coronary artery lesions in March 20 10. In May, 20 12, he was diagnosed with colon polyp and had it removed. In May of 20 15, colon polyps were found again and surgery was performed.
Therefore, the insurance company refused to pay compensation on the grounds that Liu was ill before the insurance, and did not inform the insurance company. Liu refused to accept the decision and appealed the insurance company to the court for a judgment.
case analysis
After examination, the court held that Liu submitted a full recall in court, which proved that Guo did not fulfill his detailed notification obligation when handling insurance for Liu and did not ask one by one. Later, Guo himself also testified in court, saying that the recording was true and the insurance company should be liable for compensation.
In the end, the court ruled that the insurance company paid Liu an insurance premium of 250,000 yuan according to the contract. The case ended here, but in a blink of an eye, the insurance company brought its agent Guo to court, demanding that Guo compensate for the insurance premium of 250,000 yuan and the commission and legal fees obtained totaled 270,000 yuan.
After examination, the court held that the insurance company provided the insurance contract proxy signed by both parties, which stipulated that the insurance company had the right to investigate the responsibility of the agent for preventing the customer from fulfilling the obligation of truthful disclosure.