案例带病投保（Case sick insurance）.doc

案例带病投保（Case sick insurance） As a rule, an insurance company conducts a basic medical history review of an insured person. In a written inquiry the insured whether current or past smoking, drinking, over the past year or outpatient examination, medication, within three years if there is abnormal medical examination and other matters, Li Nongjun choose no , and the applicant and insured declaration and authorization sign. Since then, Li Nong paid 2009 - 2010, 2010 - 2011 two years of premiums, a total of 12000 yuan. The weather is unpredictable. In July 16, 2011, Li Nong died of sudden cardiac death. In July 28, 2011, Li Nong daughter submitted the claim settlement information to the insurance company. But the insurance company then found in the nuclear compensation survey, Li Nong in February 2009 in Zigong Hospital of traditional Chinese medicine hospital records. Records of hospital medical records: Li Nong drink every day (liquor) 1 pounds, smoke 4 packs, discharge diagnosis of traditional Chinese medicine for rosacea (thelungand gasterexcessiveheat), western medicine for the diagnosis of infection with rosacea. In September 3, 2011, the insurance company sent a refusal notice to Li Nong daughter, citing Li Nong before the insured have some effect of the Company underwriting decision of health, not written to inform the applicant is seriously affecting the underwriting decision. The insurance company has decided to terminate the insurance contract and refund the premium of 12000 yuan. Analysis One trial, two losses, half of the trial Unsuccessful due to the claim, the daughter of Li Nong Yizhisuzhuangjiang insurance company in the Zigong Ziliujing District Peoples court. During the trial, The insurance company cited evidence to confirm the fact that Li Nong did not tell the truth, bad habits, and the personal history and the disease diagnosed in the Zigong Hospital of traditional Chinese medicine in February 2009. The insurance company argued that maxgain life lif