7保险学（7 Insurance）.docVIP

7保险学（7 Insurance） 1. users Zhang bought a N electric water heater worth 2500 yuan in August 2000. The user in accordance with the instructions of the use of less than two months, once because of water heater leakage caused by Zhang killed in a bath, the water heater lost 2000 yuan, after the repair of water heater spent 500 yuan. N has insured product quality assurance at H insurance company for the period from January 1, 2000 to December 31, 2000. In addition, Zhangs unit has collectively insured the accident insurance against Z life-insurance company, the insurance period from June 1, 2000 to May 31, 2001, the insured amount of 100000 yuan per person. Analysis of this case, and answer the following questions: (1) Zhangs loss belongs to the insurance liability of which insurance? (2) what are the objects that Zhangs family can claim for the loss of water heaters? (3) H insurance company is responsible for Zhangs loss compensation, how much should the insurer pay for it? (4) what is the liability of an insurance company that covers an accident insurance? (5) if the water heater manufacturers, H to the insurance company the insurance product quality and insure the product liability insurance, the verdict, death paid 150000 yuan, how much is the liability of the insurer shall be liable for H? (6) how much is the beneficiary of Zhangs claim to H and Z insurance company? Case 1 Analysis (1) the scope of liability for accidental injury insurance; (2) H insurance company Z life-insurance company produces water heater manufacturers. (3) because the electric water heater is worth 2500 yuan, it should be compensated for 2500 yuan. (4) Zhang Mous unit has collective to Z, life-insurance company insured accident insurance, insurance period from June 1, 2000 to May 31, 2001, the insured amount of 100000 yuan per person. Therefore, compensation should be 100000 yuan. (5) because after the repair of water heaters spent 500 yuan, so the total payment of 150500 yuan. (6) by (4) (5)