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团体人身意外伤害保险、子女婚嫁金保险、儿童保险等承保意外伤害事故的人身保险条款中,往往将疾病所致伤残和死亡列为除外责任。关于被保险人生病住院后因医疗事故造成的伤残和死亡是否属于保险公司的保险责任范围,也即医疗事故是不是意外伤害事故,这在保险实践中是一个颇有争议的问题。有人认为医疗事故对被保险人来说是一种外来的、非本意的伤害事故,因而是意外伤害事故。也有人
In the personal insurance clauses, such as group personal accident insurance, child marriage bond insurance, child insurance, and the like, the disability and death caused by illness are often excluded as liability. It is a controversial issue in the practice of insurance whether the disability and death caused by a medical accident after being insured by an insured person belong to the insurance coverage of the insurance company, that is, whether the medical accident is an accidental injury accident. Some people think that a medical accident is an alien and unintentional injury accident to the insured and therefore an accidental injury. There are also people