May 31, 2010
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Zhao Qing and Zhu Yufang v. Sino-US United MetLife Insurance Co., Ltd. (A case about dispute over an accidental injury insurance contract)
Zhao Qing and Zhu Yufang v. Sino-US United MetLife Insurance Co., Ltd. (A case about dispute over an accidental injury insurance contract) 赵青、朱玉芳诉中美联泰大都会人寿保险有限公司意外伤害保险合同纠纷案
[Judgment Abstract] [裁判摘要]
“Accidental injury” refers to an objective event in which a person suffers from bodily injury for any external, unexpected, involuntary, and non-disease causes. It is common sense that excessive drinking is harmful to health. As a person with full capacity for civil conduct, the insured has the capacity to fully control and avoid excessive drinking. Therefore, the bodily injury caused by excessive drinking is not an external, unexpected, and involuntary factor and it was not an accidental injury. If the insured claims for the payment of insurance proceeds with the insurance company based thereon, the people's court should not uphold such claim. 意外伤害是指由于外来的、突发的、非本意的、非疾病的原因导致身体受到伤害的客观事件。饮酒过量有害身体健康属生活常识,被保险人作为完全民事行为能力人,对此完全可以控制、避免,故饮酒过量导致身体损害不是基于外来的、突发的和非本意的因素,不属于意外伤害,被保险人据此申请保险公司支付保险金的,人民法院不予支持。
Plaintiff: Zhao Qing, female, 21 years old, Chinese Han, domiciled in Nanjing City, Jiangsu Province. 原告:赵青
...... 原告:朱玉芳

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