Heat stroke can be paid by the insurance companies?

● the summer heat has caused the scourge of the accident.

● unexpected heat stroke, can get insurance compensation? »

● heat stroke first place, out of the post, which the drugs who is going to pay »

Then the light of the above argument, heat stroke is not just insurance compensation. Let us look at the next story.

Blow to the scorching sun, the heat intolerable, then heat stroke also occur from time to time, but heat stroke can sometimes trigger a very serious consequences. In today's story, starting with a heat stroke-related incidents brought us out of the question: heat stroke, can get insurance compensation? » Out of the heat stroke lead, belong to an accident? » Get accident insurance claims? » We have to see today's story.

Mr Wong is a brand-name computer maintenance technicians, he is running the daily work in different parts of the city, for the company's customers come after-sales service. The daily life are very busy day, but also very full, fun. Each trip to the customers, they look forward to watching the eyes, and good maintenance after they pleased expression, Mr Wong, feel that their work meaningful.

Not only that, the company recently ran like Mr Wong, this staff is very considerate of the Ministry of Foreign Affairs, in the enjoyment of other benefits on the basis of, but also for everyone on the "accidental injury insurance."

Mr Wong, this accident insurance is not very understanding, he would like to be in an accident after the insurance compensation. Mr Wong hoped that the accident occurred or not the good.

But they really can not think of the accidents have taken place……

One day, Mr Wong, in the street under the scorching sun to a customer call. "Hey, Mr. Chang?« Hey, Wei Wei, you heard it…… "hang up call, redial back:" Hey, this is Mr. Zhang »Weiwei……" can not be repeated several times the normal call.

So, Mr Wong, a colleague named Xiao Liu also dial the phone.

"Hey, named Xiao Liu in this» "

"Hey, Huang, then you are looking for. With you, ah, you 'Accident Insurance' has run down, you will be assured!"

"Hey, good, good! Know." Linked to Mr Wong, the then dial the phone.

"Hey, named Xiao Liu, you see not what I said, I hasten to help check the details of Mr Cheung address, his phone seems to have problems, not listen to voices, I could not find his home where, Alas! "

Named Xiao Liu to the address of Mr Cheung told Mr Wong. Mr Wong, Mr Cheung to the customer's home to check his computer and do a lot of the corresponding maintenance. , Mr Wong also back under the scorching sun. Go on the road can feel like their own sweat, like spring water run out, that really is up to Zhaozhuo little Camel Xiangzi feeling. Feet are very heavy, the first a bit faint, the clothes are affixed to his body, Mr Wong, now just want to go home-a cold water bath.

In order to alleviate the discomfort of the heat, Mr Wong took out the MP3 Douli wearing ear in the hope that God will give their Titi, but waves of dizziness to go more and more difficult for Mr Wong. Mimihuhu see in front of a sell water sharing, Tian Tian their lips, swallow mouth spittle and accelerate the pace of share going to sell water……

At this time, Mr Wong stepping stone on the roadside slipping, the first touch in the teeth of the road. Selling the water rushed over to see his master, the original Mr. Huang heat stroke.

Mr Wong, woke up and found himself lying on the bed. Woke up at the mouth also shouted: "insurance" Gangxiang from sitting up in bed, he was a hands lightly holding down the.

Named Xiao Liu: hey, hey, do not worry, Gangxing, more lying single time.

Mr Wong: I was how the »

Named Xiao Liu: how their own do not remember, you stepped on a stone throw a big Gentou, or sell water to give you the master of the hospital. The doctor said you heat stroke, how then do not care »

Mr Wong: Oh, heat stroke! No wonder so faint it.

Named Xiao Liu: do not touch , head throw a big Kou Zi, but the doctor said no major event, just a few days rest.

Mr Wong: Oh. On, the medical expenses who helped me to put the »

Named Xiao Liu: I Bai, in addition I have Shuiya » But your mind at ease, the company give you on the "accidental injury insurance", insurance companies have filed for compensation, you feel at ease to rest it.

Mr Wong has given the company a few days recuperating at his peace of mind, he felt that Meisha necessary, so soon returned to the workplace.

But not a few days, Mr Wong is home to the accident to a special guest.

"Hello, may I ask you Mr. Huang?» "

"I am, you are» "

"I am a clerk of the insurance company, your company before you in my company for the security……"

"Oh, the insurance company is the ah, quick come in." "Will I apply for the outcome of the insurance payment?» "

"I is for this matter to, this is the case, your company before you apply to us the 'accident insurance' insurance claims, because of heat stroke……"

"Yes, indeed, a heat stroke."

"I am sorry, Mr Wong, heat stroke can not be counted as foreign unexpected incidents, so we insurance companies for this application is you can not claim. But if heat stroke lead to very serious consequences, like the disabled, died……

"I Shuaipo the first, this can lose it» "

"This is, according to our survey and you provide the certificate, you do not meet the standard of disability insurance areas, we can not get accident insurance claims. You can not get 'accident insurance' claims, but also your company You buy a 'medical insurance surcharge accident', your medical expenses will be paid, which is the payment, please confirm you in here and sign the word. "

(The above story comes from real cases)

Heat stroke can get the compensation insurance company? »

Moderator: Mr. Huang Zhen Daomei can, because the issue of telephone faults, and customers can not exchange even more unfortunate is that the heat stroke is back on the road, in very bad physical state of the circumstances of the stepping stones on the slip , Shuaipo the first. Mr Wong, the experience we express our sympathy. Heat stroke is a disease, but also can be said to be sudden illness, heat stroke can get the compensation insurance company? »

Expert Comments: First of all, heat stroke is really a disease, the harsh environment of the reaction, but not unexpected external incidents, at present, no insurance companies to set up a special heat stroke types, so that not only is heat stroke Insurance compensation.

Moderator: All along, due to heat stroke caused the accident is not always the availability of claims undetermined. The insurance companies claim that it was heat stroke can be insurance claims and the consequences of heat stroke and he (she) is closely related types of insurance. Is it true »

Expert Comments: China has yet to heat stroke specialized insurance, individual insurance companies for the claims of heat stroke also made a different definition. In general, the treatment of heat stroke attributable to the door (radical) attending the responsibility of the medical insurance. And are usually unable to purchase individual-to-door (radical) attending medical insurance products, the only group insurance customers, can enjoy this type of insurance services. If heat stroke in case of accidents and injuries associated with medical costs, may generally be added into the accident the responsibility of the medical insurance if the disabled to achieve a certain standard, you can further into the accidental injury insurance-related areas of responsibility.

Under what circumstances lead to heat stroke the consequences will involve the areas of insurance? »

Moderator: Here is a story to a more satisfactory results. Mr Wong is not bad luck, he should get a settlement of insurance claims. May also have such a doubt, what is under what circumstances led to the consequences of heat stroke will involve the areas of insurance? »

Expert Comments: heat stroke as a result of a health risk, according to different situations, from health insurance, accident insurance, to bear the responsibility for payment. If Mr Wong, in the course of their work collapsed of heat stroke, not an accident, even if he bought accident insurance, can not be paid. But if he serious symptoms of heat stroke, the need for hospital treatment, so if he purchased the hospital medical insurance, will be able to get the appropriate insurance claims payments.

Moderator: That is to say, out of heat stroke lead, an accident, accident insurance claims may be. Just heat stroke, accidents are not accidental injury. If the fall is out of the accident.

Expert Comments: Yes, only to the corresponding standards for the disabled, to receive the corresponding accident insurance payments while living in homes, by the accident to hospital medical insurance payments.

Moderator: In this particular proposal friends, in the purchase of "accidental injury insurance", corresponding to the purchase of the "additional medical accidents and dangerous" this important additional risk. We read story after the problems encountered by Mr Wong, a simple understanding, then, in addition there are no other circumstances? »

Expert Comments: There are still such a situation, if the work of heat stroke leading to death, on a work-related injuries, industrial injury insurance can be paid. In the morning and evening due to high temperature heat stroke deaths should also be regarded as work-related injuries, according to the labor departments of the injuries provided for payment.

Moderator: Today's story, we understand that, the general heat stroke can not get insurance claims; But when a heat stroke lead to very serious consequences, such as: disability, death and other incidents, may be involved in insurance areas.

Expert Comments: to remind everyone: the purchase of insurance, additional insurance is a very important link, or after the Chuxian the claims process, will bring a lot of troubles and disputes.

Aggregate: We understand that today's story, we can not heat stroke as a simple situation, that it is in fact a disease. So as a disease, accident insurance does not belong to the scope of the claims, it can only belong to the scope of health insurance claims. At the same time, we also understand that such a common sense, that is, when the disease - today we talked about the inside story of heat stroke, caused by disease or accidents occur, as the proximate cause of different caused by the insurance liability is not the same, therefore, insurance According to the principle of proximate cause the company to make a different payment. So here to remind everyone: the purchase of insurance, the purchase of additional insurance is also a more important link. In addition, we would also like to know more about the principle of insurance claims, such as the principle of proximate cause.