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Wang Lianshun v. China Life Insurance Company Yongshun County Sub-branch (2000)
王连顺诉中国人寿保险公司永顺县支公司保险合同纠纷案
【法宝引证码】

Wang Lianshun v. China Life Insurance Company Yongshun County Sub-branch (2000)

 

王连顺诉中国人寿保险公司永顺县支公司保险合同纠纷案

(Dispute over Insurance Contract) 
BASIC FACTS 原告:王连顺,男,49岁,干部,住湖南省永顺县工商银行宿舍。
Plaintiff: Wang Lianshun, male, 49, cadre, domiciled at the dormitory of the Industrial and Commercial Bank of Yongshun County, Hu'nan Province. 被告:中国人寿保险公司湖南省永顺县支公司。住所地:湖南省永顺县城。
Defendant: the Sub-branch of China Life Insurance Company of Yongshun County, Hu'nan Province, domiciled at Yongshun County, Hu'nan Province. 法定代表人:王春燕,该公司经理。
Legal representative: Wang Chunyan, manager of the company. 委托代理人:杨松坡,中国人寿保险公司湖南省永顺县支公司副经理。
Authorized agents: Yang Songpo, vice manager of the Sub-branch of China Life Insurance Company of Yongshun County, Hu'nan Province; and 委托代理人:邓兴平,湖南三页律师事务所律师。
Deng Xingping, lawyer from San Ye Law Firm in Hu'nan. 原告王连顺之妻陈晓兰因与被告中国人寿保险公司湖南省永顺县支公司(以下简称永顺人保)发生保险合同纠纷,向湖南省永顺县人民法院提起诉讼。诉讼期间,陈晓兰病故,王连顺就本案继续诉讼。
Chen Xiaolan (hereinafter referred to as “Chen”), wife of Wang Lianshun (hereinafter referred to as “Wang”), brought a lawsuit at the People's Court of Yongshun County, Hu'nan Province (hereinafter referred to as “Yongshun Court”) against the defendant, the Sub-branch of China Life Insurance Company of Yongshun County, Hu'nan Province (hereinafter referred to as “Yongshun Life Insurance”), concerning their dispute over an insurance contract. During the litigation, Chen died of illness, and Wang continued the litigation. 原告诉称:被告单位曾为在该单位工作的我妻陈晓兰投保妇科癌病普查保险,保期三年,保费1万元。我妻在保期内患癌后,被告却拒绝理赔。请求判令被告按照保险合同的约定给付保险金,并赔偿我妻生前因被告拒绝理赔而遭受的精神损失。
Wang claimed: Yongshun Life Insurance had taken out the insurance policy on general gynaecological cancer survey for Chen, his wife who worked for Yongshun Life Insurance, with the insurance period to be three years and the insured amount to be 10,000 Yuan. However, when his wife was afflicted with the cancer within the insurance period, Yongshun Life Insurance refused to settle the claim. Wang requested Yongshun Court to rule that Yongshun Life Insurance pay the amount as stipulated in the insurance contract, and indemnify the mental loss caused to his wife due to its refusal to settle the claim. 被告辩称:为自己职工的利益,本单位曾给女职工投保妇科癌病普查保险是事实。但由于陈晓兰后来调出本单位,本单位已没有可保利益,因此以业务批单解除了该保险合同。保险合同不存在了,原告的理赔申请当然无效。应当驳回原告的诉讼请求。
...... 湖南省永顺县人民法院经审理查明:
 1995年10月30日,原中国人民保险公司永顺县支公司为本单位6名女职工(包括原告王连顺之妻陈晓兰)投保妇科癌病普查保险,保单号95--018,投保人和保险人均为永顺县保险公司,被保险人和受益人是这6名女职工,保期三年,保险金额1万元,保费每人40元。该保费已由永顺县保险公司工会经费中出资一次交清。
 1996年6月,原中国人民保险公司永顺县支公司分立为人寿保险公司和财产保险公司两个单位,陈晓兰被分到被告永顺人保工作。1997年7月,陈晓兰从永顺人保调往中国平安保险公司吉首分公司工作。同年8月5日,永顺人保作出业务批单,以陈晓兰不具有可保利益为由解除了保险合同,没有书面通知陈晓兰。1998年1月,湖南省湘西土家族苗族自治州人民医院诊断陈晓兰患癌症,后又经湖南肿瘤医院确诊为子宫膜腺癌。陈晓兰患癌后,曾于1998年1月和5月两次向永顺人保递交了给付保险金的申请。永顺人保以陈晓兰调离后已不具有可保利益,保险合同失效为由,于同年7月21日给陈晓兰下发了保险金拒付通知书。陈晓兰为此于1999年2月8日提起诉讼,同年7月8日因癌症恶化死亡。
 
 湖南省永顺县人民法院认为:
 任何单位为自己的职工谋取合法利益,都是法律允许并支持的正当行为。由于保险是原中国人民保险公司永顺县支公司的业务,此次保险是该公司为自己的职工投保,这种特殊情况决定了该保险合同上投保人和保险人的签署是同一人,但这与自己和自己签订的无效合同情况不同,仍然属于两个平等民事主体之间签订合同。根据保费出资的实际情况,应认定这个保险合同的投保人是原中国人民保险公司永顺县支公司工会,保险人是该公司。维护职工合法权益,关心职工的生活,全心全意为职工服务,是工会的职能。工会在职工同意的情况下为职工投保人身险,是其履行职责的体现。依照《中华人民共和国保险法》第五十二条第二款的规定,原中国人民保险公司永顺县支公司工会对保险标的具有保险利益。依照保险法十二条的规定,本案的人身保险合同是当事人真实意思的表示,依法成立有效。
 ......

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