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2008年5、6月间,江苏淮安的平安人寿、中华联合等五家保险公司先后收到同一死者家属的系列保险理赔申请,累计理赔数额高达136.2万元。经查,死者生前与妻子在不同保险公司投保22份,半年后突然死亡。这是恶意骗保,还是纯属意外?此事引起了当地保险协会的怀疑。于是淮安市保险协会向淮安市公安局报案要求立案处理,从而拉开了这起系列死亡保险索赔案的序幕。就在公安机关认定此案尚不符合刑事立案标准之后,死者家属相继将5家保险公司告上法庭,双方展开了历时近3年的诉讼博弈。
In May and June 2008, five insurance companies, namely Ping An Life and Hua Lian United, of Huaian in Jiangsu Province successively received a series of insurance claim applications from the families of the deceased, accumulating a total amount of 1.362 million yuan. After investigation, the deceased lifetime with his wife insured in different insurance companies 22, six months after the sudden death. This is a malicious fraud, or purely unexpected? This has caused the suspicion of the local insurance association. So Huaian Insurance Association to Huai’an City Public Security Bureau filed a case filing, which opened the curtain of this series of death insurance claims. Just after the public security organ found the case still did not meet the criminal filing standards, the families of the deceased went to court five insurance companies one after another, and the two parties launched a lawsuit game lasted for nearly three years.