[상해재해사망보험금 자살보험금] 단체상해보험약관 KB손해보험 1801 우울증 조현병 극도의 스트레스 수면장애 불면증 약물중독 사인미상 사고후유증 수술합병증사망

[상해재해사망보험금 자살보험금] 단체상해보험약관 KB손해보험 1801 우울증 조현병 극도의 스트레스 수면장애 불면증 약물중독 사인미상 사고후유증 수술합병증사망

http://insclaim.co.kr/21/8635655

[사망진단서 병사, 상해재해사망보험금수령한 손해사정사례 No.7052] 사망의 유발요인 외인요인, 사망진단서상 병사이고 사망의 직접원인은 다발성장기부전-패혈증-복막염-직장천공 등이었으나 외인사를 입증하여 상해재해사망보험금을 수령한 손해사정사례

본 건은 보험사에서 사망진단서상 병사이므로 상해재해사망보험금을 지급할 수 없다는 주장에 본 손해사정사에게 의뢰하여 사망의 유발요인이 외부요인인 것을 입증하여 외인사로서 상해재해사망보험금을 수령한 손해사정사례입니다.

http://insclaim.co.kr/21/8635656

[내인성급사 사망원인미상 상해재해사망보험금 수령한 손해사정사례]국과수 부검결과 사인미상 - 내인성급사로 추정, 술집에서 술마시던중 의식을 잃고 쓰러져 돌연사(청장년급사증후군)한 사건으로 상해재해사망보험금 수령한 손해사정보상사례.

http://insclaim.co.kr/21/8635643

[교통사고후유증 자살, 재해상해사망보험금수령사례]경미한 교통사고로 치료중 사고후유증인 외상후스트레스, 우울증이 발병하여 목멤자살한 경우, 교통사고 손해배상금 및 재해상해사망보험금을 수령한 손해사정사례 No7046.

http://insclaim.co.kr/21/8635472

[공무원단체보험 우울증자살 상해사망인정사례]우울증으로 아파트 투신자살(추락사)하여 공무원단체보험의 상해사망보험금을 수령한 손해사정사례

http://insclaim.co.kr/21/8635536

[급성약물중독 재해사망인정사례]우울증으로 치료중 고관절전치환술후 고생하다가 음주후 수면제-자나팜정, 우울증약-에나프정 등 우울증약 과다복용으로 인한 약물중독으로 사망한 사건(추정)에서 재해사망보험금 수령한 손해사정사례입니다.

http://insclaim.co.kr/21/8635431

[폐렴사망, 사고기여도100% 상해사망보험금인정사례] 고령의 피보험자가 넘어져 두부손상으로 1년8개월 치료중 폐렴사망, 기왕증공제70%주장에 상해사망보험금 전액인정받은 사례

http://insclaim.co.kr/21/8635568

[암우울증 암후유증 통증 스트레스 자살, 자살재해사망보험금 수령한 손해사정사례 No7030.]

http://insclaim.co.kr/21/8635548

[알콜중독 자살재해사망보험금인정사례] 알콜의존증, 알콜성간염, 우울증에피소드 등으로 과거에 치료받았던 병력이 있는 변사자가 사망당시 갑자기 주거지 아파트에서 투신자살(추락사망)사건에서 재해사망을 인정한 자살 재해사망보험 손해사정사례입니다.

http://insclaim.co.kr/21/8635587

[부부싸움 투신자살, 부부싸움중 음주만취 아파트 추락사 재해사망보험금 수령한 손해사정사례 No.7041] 직장의 업무스트레스로 음주 만취하여 격렬한 부부싸움중 아파트창문으로 투신하여 추락사망 사건으로 재해사망보험금 수령한 손해사정사례입니다.

본 건은 00생명보험의 무배당 변액유니버셜종신보험의 재해사망보험금의 손해사정사례입니다.

변사자는 최근 회사원으로 회사경영이 어려워져 감원 및 보너스삭감, 일반직을 현장직에 투입 등으로 이직을 고려할 정도로 심한 스트레스를 받고 있었으며, 사고당일 저녁 횟집에서 부부가 소주 5병을 나눠마시고 자택에서 사소한 말다툼이 커져 집기를 집어던지고 욕설 및 폭행 등으로 격렬한 부부싸움중 경찰이 출동하면서 갑자기 자택 아파트창문을 열고 투신 자살한 사건으로 변사자는 기왕병력이 고혈압 정도 였으며, 우울증 등 정신질환은 없었고, 술은 일주일에 2-3회 소주 약1-2병 정도 자주마시는 편이었습니다. 사고당시 소주5병을 부부가 나눠마셨을 경우 변사자의체중 85Kg, 소주2병반(소주-처음처럼,360ML 17.5도) 위드마크공식에 의한 혈중알콜농도는 약0.2113%로서 중등도명정상태로 확인되었는데, 중등도명정상태는 안면이 창백해지고 사고력이 떨어지며 주의력이 산만하여지고 판단능력이 저하되며, 말은 불명확해지고 피부감각은 둔해지며 운동실조가 온다는 의학적판단이 있습니다.

상해관련 특별약관
1-1. 일반상해후유장해(20~79%) ··································································60
1-2. 교통상해사망후유장해(자가용,영업용) ················································60
1-3. 교통상해사망후유장해(비운전자) ························································62
1-4. 대중교통이용중 교통상해사망후유장해 ················································64
1-5. 상해입원일당(1일이상)Ⅱ ···································································66
1-6. 업무중상해입원일당(1일이상)Ⅱ ··························································67
1-7. 골절진단비Ⅱ(치아파절제외) ·······························································68
1-8. 골절수술비 ························································································69
1-9. 5대골절진단비 ····················································································70
1-10. 5대골절수술비 ··················································································71
1-11. 화상진단비 ·······················································································71
1-12. 화상수술비 ·······················································································72
1-13. 상해수술비 ·······················································································73
1-14. 자동차사고부상보장(자가용,영업용) ··················································75
1-15. 자동차사고부상보장(비운전자) ··························································83
질병관련 특별약관
2-1. 질병사망∙80%이상후유장해 ··································································84
2-2. 질병80%이상후유장해 ··········································································86
2-3. 과로사관련특정질병사망∙80%이상후유장해 ···········································87
2-4. 과로사관련특정질병80%이상후유장해 ···················································89
2-5. 암사망∙80%이상후유장해 ·····································································90
2-6. 암사망∙80%이상후유장해(만기후재가입용) ···········································90
2-7. 암80%이상후유장해 ·············································································93
2-8. 암80%이상후유장해(만기후재가입용) ···················································93
2-9. 암직접치료입원일당(4일이상) ·····························································95
2-10. 암직접치료입원일당(4일이상)(만기후재가입용)
2-11. 암수술비Ⅰ ·······················································································98

2-12. 암수술비Ⅰ(만기후재가입용) ·····························································98
2-13. 암수술비Ⅱ ·····················································································100
2-14. 암수술비Ⅱ(만기후재가입용) ···························································100
2-15. 뇌졸중진단비 ··················································································103
2-16. 뇌졸중진단비(만기후재가입용) ························································103
2-17. 뇌출혈진단비 ··················································································104
2-18. 뇌출혈진단비(만기후재가입용) ························································104
2-19. 급성심근경색증진단비 ·····································································106
2-20. 급성심근경색증진단비(만기후재가입용) ···········································106
2-21. 질병입원일당(1일이상) ···································································107
2-22. 질병수술비 ·····················································································109
2-23. 항암방사선약물치료비 ·····································································111
2-24. 항암방사선약물치료비(만기후재가입용) ···········································111
2-25. 암진단비(유사암제외) ·····································································113
2-26. 암진단비(유사암제외)(만기후재가입용) ···········································113
2-27. 유사암진단비 ··················································································116
2-28. 유사암진단비(만기후재가입용) ························································116

실손의료비 관련 독립특별약관
무배당 KB손보 실손의료비【갱신계약】특별약관
무배당 KB손보 기본형 실손의료비【갱신계약】········································145
실손의료비 추가 특별약관
1. 비급여 도수치료·체외충격파치료·증식치료 실손의료비【갱신계약
2. 비급여 주사료 실손의료비 【갱신계약】 ··········································177
3. 비급여 자기공명영상진단(MRI/MRA) 실손의료비【갱신계약

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