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案情回放范娟报名参加某旅行社组织的香港旅游活动,并向某保险公司购买了意外保险,保额30万元。途中,范娟发生意外死亡。保险公司调查发现,到旅行社办手续的是妹妹范萍,姐姐是冒用了妹妹的名字去旅游,真正的被保险人范萍至今安然无恙。保险公司据此作出不予给付意外死亡保险金的决定。范娟的丈夫辩称,由于范娟本人的身份证不慎丢失,在征得旅行社的同意后,才用妹妹的身份证办理了登记手续,
Fan Juan enrolled in the case to sign up for a Hong Kong-based tour organized by a travel agency and purchased accident insurance from an insurance company with a sum insured of 300,000 yuan. On the way, Fan Juan accidental death. Insurance companies survey found that travel agents to do the formalities is the sister Fan Ping, sister is fraudulent use of the sister’s name to travel, the real insured Fan Ping has been safe and sound so far. The insurance company hereby makes a decision not to pay the accidental death insurance. Fan Juan’s husband argued that due to Fan Juan’s ID card accidentally lost, with the consent of the travel agency, with her sister’s ID card for registration procedures,