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案例1 997年8月1日,张某投保了人寿保险及附加意外伤害保险。同年8月30日,张某在工作时右手不慎卷入分切机内,经鉴定为右手小指末关节缺无,第二关节僵硬,无名指第二、三关节僵硬畸形,中指第二关节僵硬,以上三指掌指关节活动尚可。张某根据《保险公司人身意外伤害残疾给付标准》第20项“一手中指、无名指、小指残缺者给付保险金额的18％”的约定,要求保险公司给付意外伤害保险金36000元。而保险公司则认为,张某的伤残不符合上述比例
Case 1 August 1, 997, Zhang insured life insurance and additional accidental injury insurance. In the same year on August 30, Zhang at work, his right hand accidentally involved in the slitting machine, identified as the right little finger at the end of the joint is missing, the second joint stiffness, ring finger second, three joint deformity, the second middle finger stiffness , The above three fingers palm joint activity is acceptable. According to the stipulation of “Item 20 of the Handicapped Payment Standard for Personal Accidental Injury of Insurance Companies”, Zhang stipulated that the insurance company should pay an accidental injury insurance fee of 36,000 yuan according to the agreement of “18.0% of the insurance amount paid by the middle finger, ring finger and little finger.” The insurance company believes that Zhang disability does not meet the above ratio