So, Lou’s relatives sued to the court and asked the insurance company to pay 1 million yuan of Accidental death and dismemberment insurance compensation.
Waterproof construction is often carried out outdoors, facing severe high temperature tests.
Because Lou purchased accident insurance from an insurance company during his lifetime.
Finally, the court ruled that the insurance company paid the plaintiff over 900000 yuan in insurance claims.
Advertising: Splendid Waterproof Advertising: Review of the Case of Zuo Gong Waterproof In July 2022, Lou was carrying out construction work on a roof outside.
But insurance companies argue that accidental injury refers to an objective event that causes harm to the body through external, sudden, unintentional, or non disease factors.
The fundamental cause of heatstroke was the high temperature, which led to changes in his physical functions.
Can I apply for a work-related injury due to heatstroke caused by work? According to Article 14 of the Work Injury Insurance Regulations, employees who suffer from occupational diseases shall be recognized as work-related injuries
.
However, after rescue efforts, he died.
According to hospital diagnosis, the cause of death of Lou was heatstroke.
Recently, a 27-year-old boy was urgently transported to the emergency room of the Yizhuang District of Beijing Tongren Hospital by 120.
Lou’s heatstroke belongs to the category of illness and does not constitute accidental injury, and should not be compensated.
He suddenly felt serious discomfort and was taken to the hospital by his family.
The court held that Lou’s death due to heatstroke was not due to his own illness.
Workers working in scorching sun and high temperature environments are even more exposed to high temperatures.
How can the rights and interests of frontline outdoor construction personnel be protected? How should the construction unit avoid unexpected risks under high temperatures? Below is a case study to clarify and clarify your doubts.
Advertising: Kale Waterproof Advertising: Degao Advertising: Keshun Waterproof Introduction has entered the dog days, with continuous high temperatures in many parts of the country.
According to the practitioner, the patient was a construction worker who suddenly fell to the ground while working outdoors in high temperatures.
The occurrence of heatstroke while Lou was working outdoors is a sudden accident, and the occurrence of heatstroke was not intended.
Therefore, it is determined that Lou’s death due to heatstroke falls within the scope of accidental injury and meets the insurance liability compensation scope stipulated in the insurance contract.
Ultimately, it was caused by external factors and was consistent with the characteristics of accidental injury.
The insurance company shall compensate for the insurance benefits.
After nearly 6 hours of rescue by the emergency team, their consciousness gradually regained consciousness and their vital signs returned to a stable state.
The patient was diagnosed with heatstroke due to blurred consciousness, limb twitching, and a body temperature above 40 ℃ upon arrival.
