保险合同类型案件汇编 | 法宝双语案例
目录
Contents
1. 赵青、朱玉芳诉中美联泰大都会人寿保险有限公司意外伤害保险合同纠纷案 Zhao Qing and Zhu Yufang v. Sino-US United MetLife Insurance Co., Ltd. (A case about dispute over an accidental injury insurance contract) 2. 仇玉亮等诉中国人民财产保险股份有限公司灌云支公司等意外伤害保险合同纠纷案 Qiu Yuliang et al. v. PICC Property and Casualty Company Limited Guanyun Sub-branch et al.(case of dispute over the accident insurance contract) 3. 陆永芳诉中国人寿保险股份有限公司太仓支公司保险合同纠纷案 Lu Yongfang v. Taicang Branch of China Life Insurance Company Limited (insurance contract dispute)
一、赵青、朱玉芳诉中美联泰大都会人寿保险有限公司意外伤害保险合同纠纷案
【裁判要旨】
意外伤害是指由于外来的、突发的、非本意的、非疾病的原因导致身体受到伤害的客观事件。饮酒过量有害身体健康属生活常识,被保险人作为完全民事行为能力人,对此完全可以控制、避免,故饮酒过量导致身体损害不是基于外来的、突发的和非本意的因素,不属于意外伤害,被保险人据此申请保险公司支付保险金的,人民法院不予支持。
来源:《最高人民法院公报》 2017年第9期(总第251期)
【法宝引证码】CLI.C.9818158
[CLI Code] CLI.C.9818158(EN)
Qiu Yuliang et al. v. PICC Property and Casualty Company Limited Guanyun Sub-branch et al.(case of dispute over the accident insurance contract)
[Judgment Abstract]
The teaching environment and activity facilities in a school must comply with safety requirements to protect students from any damage to life and health. Where the damage to a student's right to life and health is attributable to the school, and if the school shall be liable for compensation according to the school liability insurance purchased, the insurer shall compensate on behalf of the school according to the insurance contract. The humanitarian assistance and compensation agreement concluded between the school and parents on the condition of exempting the school from any liability shall mainly be deemed compensatory rather than to release the insurer from the liability for compensation. Therefore, if the school is slack in claiming insurance compensation, the victim shall not be deprived of the right to make insurance claims in accordance with such an agreement.
Source Note:SPC Gazette, Issue 7, 2017 (No. 249)
Lu Yongfang v. Taicang Branch of China Life Insurance Company Limited (insurance contract dispute)
[Judgment Abstract]
In the absence of a specific method of premium payment in a life insurance contract, it should be deemed that the insurance applicant and the insurer have formed a particular transaction habit if they have long maintained a relatively fixed method of premium payment. If the insurance company's unilateral change of the transaction habit in violation of the principle of utmost good faith leads to the insurance applicant's failure to pay premiums in a timely manner, the policy should not be determined invalid, and the insurance company is not entitled to suspend the validity of the contract and terminate the insurance contract.
Source Note:SPC Gazette, Issue 11, 2013 (No. 205)
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