Reasons that Cancel Life Insurance Coverage – Online Legal Clinics

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Civil Partnership, November 10, 2015

Tuesday, November 10, 2015However 10 Minutes

I would like to ask about the rejected life premium claim. The story is that debtors died globally due to accidents. We have filed a claim for the death of the debtor. however, there is a rejection by the insurance dues party because it is believed that the debtor died because of an accident caused by an accident caused by overtaking based on the left side of the road. Is that right? However, in the policy agreement, it is not mentioned that this is excluded. What is excluded is if the debtor dies due to suicide. How do we solve this problem? The debtor’s wife is pregnant and still very grieving as a result it will be difficult for us to execute the guarantee because the claim of life insurance dues is not paid by the party’s life premium. Thanks.Essence:

Basically, the Trade Law Code only stipulates that coverage is lost if a person who has accounted for his life, commits suicide or is executed dies.

Thus, if these 2 things are not fulfilled and the exception to death due to traffic accidents is also not listed on the provisions of the policy as well as the coverage of relatives, then the company of non-contribution insurance can avoid based on the obligation to pay the sum insured for the death of the deceased.

Further explanation, please read the review below.Reviews:We are sorry and sympathetic to the passing of the deceased, hopefully the families left behind can be patient and energized to continue life after the death of the deceased. Insurance refers to the provisions as stipulated in Article 246 of the Trade Law Code (“KUHD”), which states:”Insurance or coverage is an agreement, with which a person in charge binds himself to the insured, uses receiving an insurance, to put reimbursement to him for a loss, damage or loss of expected profit, which he may suffer due to an unspecified event.”A coverage or premium shall be made in a written agreement generally claimed by the policy, as stipulated in Article 255 of the Kuhd, which states: “A liability must be made in writing in a deed called the policy.”Life insurance is regulated separately in the Kuhd in the third section on life insurance, as for the cause of death of the coverage dues at least due to, the insured commits suicide, or is convicted of death due to a court decision with permanent legal force, as stipulated in Article 307 of the Kuhd which states:”If a man who has accounted for his soul, killed himself, or was executed dies, then the coverage is killed.”Thus, if these two things are not fulfilled and the exception for death due to traffic accidents is also not listed on the provisions of the policy as a brother’s news, then the insurance company can not dodge based on the obligation to pay the sum insured for the death of the deceased. Therefore, we advise heirs to take legal efforts by submitting a somasi to the Insurance Company to pay the sum insured amounting to the value listed in the policy if the insured dies. Thus, the answer based on us hopefully can put awareness and immediately get justice for the legal conflicts that are being faced. Legal Basis:Trade Law Code.

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