The 14th Highest Peak in the World of Elevation 8027M Shi Xia Bangma
Case: Mr. Xin Dianshan Xie Lin accidentally died in Xishibangma, Tibet, in May 89.
Controversy: Nanshan Life Insurance advocates that the mountain "deficiency" is due to sickness death, accident insurance does not need to pay. The family members claimed that the dead died of falling injuries.
Lin Chunming Insurance Policy:
1.
January 86 First Policy Guaranteed
2.
3 million March life insurance, including accident insurance 2 million
3.
Nov., 2007 Xindian Shanxie Daibao Travel Insurance Pending, Climb Up to 1 Million 1 Million 1 Million
4.
March, the first policy was added 3 million
5.
April, April FPA, non-risk activities limited to 1 million
The court ruled that high mountain disease was caused by the external environment, and the mountain sickness caused by the sudden drop in pressure was accidental. Therefore, insurance policies 1, 2, 3, and 4 were all payable. Since policy 5 was limited to non-risk activities, it was not necessary to pay compensation. Total compensation should be 9 million. (judgment number: 91 Insurance Code No. 68, Judge: Cai Zhengzhe)
Conclusion: There are many reasons for hilly terrain. Falling rocks, avalanches, fissures, and slips are often classified as accidents. High mountain disease has always been controversial. This case can be said to allow climbers to let go of a stone, and high mountain disease is identified. Think of it as an accident. In Taiwan, there are three types of insurance that can be involved in the death of Shantung: 1. Life insurance, 2. Accident insurance, 3. Tourism safety. Life insurance is not controversial, regardless of the cause of the death of mountain deaths can get compensation; accident insurance in mountain difficult to obtain confirmation, most of the mountain should be able to have accident insurance claims; as for tourism security, there are domestic activities Or overseas travel, many insurance companies have stipulated that tourism and safety insurance do not guarantee dangerous activities. Even if the insurance policy does not state that “climbing†is not guaranteed, the insurance company may still go to court.
According to the author's inquiry into the results of tourism and safety insurance to a number of insurance companies (more than 10) in January 2003: after saying “Going to the Himalaya Snow Mountainâ€, all insurance companies except Nanshan Life Insurance are reluctant to underwrite, even if Cathay Life Insurance’s website advertisement says that hiking can be guaranteed, but the result of the inquiry is still unwilling. Nanshan Life Insurance has only 1 million credits.
Therefore, before purchasing travel insurance as a mountaineering insurance, you should inform the insurance company about the contents of the activities. If you are willing to underwrite the insurance, you must indicate the contents of the activities on the policy in order to avoid accidents and disputes between the two companies.
Friends who often go mountain climbing can consider taking accident insurance as mountaineering insurance and increase the accident insurance limit. Because the accident insurance takes years as the time-guaranteed time unit, you do not have to look for an insurance company every time.
In addition, if there is an “Emergency Rescue Fee†attached to the tourism safety insurance, this article is very useful for helicopter rescue. For the Khumbu Mt. Everest area in Nepal, the helicopter rescue will cost approximately US$4,000, which is approximately NT$140,000. About 10% of the claim will be calculated. You should be able to keep the 1.4 million trip flat insurance. The claim will only be enough to cover the rescue.
Office furniture refers to various types of furniture used in office spaces, including tables, chairs, cabinets, etc. The classification of office furniture is mainly based on its purpose. The following will provide a detailed introduction to the classification of office furniture.
1. Office Desk: A desk is one of the most basic furniture in the office, used to hold computers, documents, and office supplies. According to different shapes and functions, office desks can be divided into straight, L-shaped, U-shaped, conference tables, etc.
2. Office Chair: Office chairs are essential furniture for employees in the office, used to provide sitting support and comfort. According to different functions and materials, office chairs can be divided into office staff chairs, conference chairs, executive chairs, sofa chairs, etc.
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5. Bookshelf: A bookshelf is furniture used to store books and documents, providing neat and orderly storage space. According to different shapes and materials, bookshelves can be divided into wooden bookshelves, metal bookshelves, glass bookshelves, etc.
Ergonomic Chair,Office Lifting Table,Meeting Sofa,Visitor Chair
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