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小贾高中一毕业就到镇上一家饭店打工,在保险公司业务员的多次动员之下,他上了一份康宁终身保险。保险合同约定:投保人共投两份保险,交费方式为年交,每年保费1180元,基本保险额2万元。这份保险合同的受益人是小贾的父亲。合同签订后,小贾交了首期保费1180元。就在这份保险合同生效后的第15天凌晨,与小贾住在一起的工友被一阵急促的呼吸声吵醒,他们见小贾两眼圆睁、呼吸异样,问也不搭话,连忙把他送到医院救治。经医生检查,小贾被送到医院时已经死亡。医院诊断为:猝死。小贾的亲属立即将出险原因、经过、结果报给了保险公司,保险公司到现场进行了核实。可小贾的亲属手执小贾的死亡证明、保险合同交费发票等上门要求保险公司按照合同支付6万元保险金时,遭到拒绝。小贾的亲属跟保险公司打起了官司。
Upon his graduation, Xiao Jia and Gaozhong went to work in a hotel in the town where he was given a Corning life insurance under several mobilizations by clerks from insurance companies. Insurance contract stipulates: The insured person casts a total of two insurances, pay the annual fee, the annual premium of 1180 yuan, the basic insurance amount of 20,000 yuan. The beneficiary of this insurance contract is Xiao Jia’s father. After the signing of the contract, Xiao Jia paid the first phase of premium 1180 yuan. On the early morning of the 15th day after the effective date of the insurance contract, the co-workers who live with Xiao Jia were awakened by a rapid breath of breath. They saw Xiao Jia’s eyes wide open and his breath was strange. He sent to the hospital for treatment. After medical examination, Xiao Jia was sent to hospital already died. Hospital diagnosis: sudden death. Xiao Jia’s relatives will be out of the immediate cause, after the results reported to the insurance company, the insurance company to the scene was verified. Xiao Jia’s relatives can hold the hand of Xiao Jia’s death certificate, insurance contract pay invoices and other home requirements insurance companies in accordance with the contract to pay 60,000 yuan insurance, was rejected. Xiao Jia’s relatives played with the insurance company lawsuit.