论文部分内容阅读
妻子为丈夫购买终身保险,其在投保单上未选择自动垫交条款,但保险合同却规定保险公司具有自动垫付义务。妻子迟延交纳保险费后,丈夫不幸因病去世,妻子向保险公司索赔,保险公司却以符合免责条款为由拒绝理赔。日前,随着江苏省南通市中级法院判决书的送达,这起纠纷尘埃落定,法院判决保险公司按基本保额的3倍给付身故保险金6万元,双方签订的保险合同终止履行。
Wife bought a life insurance for her husband, who did not choose to automatically pay the terms of the insurance policy, but the insurance contract provided that the insurance company has the obligation to automatically advance. Wife delayed payment of premiums, the husband unfortunately died of illness, his wife claims to the insurance company, insurance companies are in compliance with the exemption clause as a reason to reject the claim. Recently, with the verdict of the Nantong Intermediate People’s Court verdict in Jiangsu Province, the dispute was settled. The court ruled that the insurance company should pay 60,000 yuan of death benefits according to 3 times of the basic sum insured. The insurance contracts signed by both parties were terminated.