After his sudden death due to overtime, the insurance company did not give a clear answer, which made his wife unable to agree. The death of her husband caused a very heavy burden to this poor family, but after signing a contract with the insurance company, she was so decisive. His wife asked a reporter to expose the incident.
This incident has also brought a very bad influence to the insurance company. The insurance company also answered Xiao Zhang's wife's question. Xiao Zhang bought personal accident insurance. Personal accident insurance can only be established in the case of sudden external disasters. The reason for Xiao Zhang's sudden death is that Xiao Zhang may have potential safety hazards and cannot be identified as an external accident. Therefore, the insurance company thinks that this is not up to standard.
In fact, the insurance company's explanation is more reasonable, because the medical definition of sudden death is "a seemingly very healthy person who died suddenly due to possible diseases or dysfunction", that is to say, sudden death is generally caused by diseases, not accidents.
His wife is not satisfied with the insurance company's explanation. According to her, he has been in good health, and the physical examination shows that there is no problem. At first, when the insurance company sold and publicized accident insurance, it only said that "as long as it is not suicide, it can be compensated", but now there are many reasons to refuse compensation. His wife thinks that only the insurance company is cheating consumers.
In order to show that she was not framed, she asked the person who sold them insurance to confront her face to face, but the insurance company refused Xiao Zhang's wife on the grounds that the seller had left.
Although the insurance company agreed in the contract, the experience of this accident left a deep impression on everyone. So look at the details of the contract carefully and don't buy insurance blindly.