In today's society, almost everyone chooses to buy insurance in case of a crisis that may arise at any time.
It's just that many times, insurance cannot protect the real interests of customers, in this case, there will be a lot of negative news.
In 1953, an elderly man was insured for 2 million yuan, but when his family asked the insurance company to claim compensation, they were told that they could only pay 200 yuan.
Even the 200 yuan is the result of 20 years of hard work.
What's going on here?
First, the "wind bead" at home
In 1953, Ma Tiesheng purchased two insurances from the Chinese Insurance Company at the suggestion of others, namely employee group fire insurance and group life insurance.
One of the two insurances is for the house where Ma Tiesheng lives, and the other is for Ma Tiesheng himself.
If Ma Tiesheng's house is burned down in an accident, or if he himself has an accident, he can get corresponding compensation in accordance with the agreement on the insurance policy.
At that time, Ma Tiesheng's family was not bad, and when he joined the revolution in 1946, he was finally transferred to the public security bureau in his hometown as the director of the detention center because of his excellent work ability.
At the time of his departure, Ma Tiesheng had become a section leader.
However, although the conditions were not bad, Ma Tiesheng still purchased these two insurances because he was worried about the occurrence of unexpected circumstances.
In order to avoid damage to the insurance policy, after Ma Tiesheng took it home, he carefully locked a tin box and kept it safely.
In his opinion, this is the greatest legacy he left to his children.
It's just that what Ma Tiesheng didn't expect was that he finally looked forward to his son starting a family and a good grandson being born, but he couldn't expect his son to give him the end!
When his grandson Ma Xinzheng was two years old, his father died of illness, and since then, the old man has been dependent on each other.
Second, unexpected results
For his only bloodline, Ma Tiesheng naturally loves him extremely much, but although he loves his grandson, he has never indulged him.
Under the teaching of Ma Tiesheng, Ma Xinzheng, who grew up, inherited his advantages and became a responsible man.
Looking at the child he had worked hard to raise, Ma Tiesheng was very pleased in his heart, and at the same time, he was relieved to hand over his inheritance to him.
After Ma Xinzheng started a family, Ma Tiesheng took out the two insurance policies and told him to keep them well in the future, in case of any accident, these two insurance policies were the only inheritance he could leave him.
Looking at the clear handwriting of "2 million yuan" on it, Ma Xinzheng couldn't help but burst into tears.
He understood that these two insurance policies not only represented a large inheritance, but also contained his grandfather's love for him.
In fact, Ma Tiesheng's health has always been very good, and it doesn't look like an accident, and Ma Xinzheng feels that he will definitely not use these two insurance policies in the future.
However, under his grandfather's earnest gaze, he still put them away and promised that if there was a case in the future, he would definitely take the insurance policy to claim it.
But what Ma Xinzheng didn't expect was that in March 1996, his extremely healthy grandfather would fall into the pond while going out and unfortunately passed away!
Shocked by the bad news, Ma Xinzheng's heart was extremely sad, and his mood when facing those two insurance policies was also extremely complicated.
However, after dealing with his grandfather's aftermath, he still found the insurance company with the insurance policy according to the old man's instructions, wanting to get the compensation he deserved.
But what I didn't expect was that after coming to the insurance company, the staff in it kept shirking compensation because of the age of the policy.
Angry, Ma Xinzheng went straight to higher-level insurance companies and demanded that they must give themselves an explanation.
But even after many parties rushed and even found reporters to report and interview, Ma Xinzheng's demands were not answered.
On the one hand, there is a large insurance company, on the other hand, there are relatives of the insured who are alone, which side is more advantageous, people can see at a glance.
In the end, Ma Xinzheng, who could not afford the cost of a long litigation, took the lead in abandoning the claim after more than 20 years of struggle, so he sealed the policy at home until 2018, when his son-in-law Mr. Peng saw the policy.
The sum insured on the insurance policy is 2 million yuan, which is not a small amount for an ordinary family, so Mr. Peng took over from his father-in-law and continued the road of claim.
III. The conclusion of the claim after many years
In fact, the controversial insurance policy did not clearly indicate the insurance date, and Mr. Peng believed that the policy should be valid for life.
Although Ma Tiesheng died in 1996, the policy should still be in effect.
But the insurance company said that as early as when signing the policy, they marked on it:
"If the insured person leaves the insured group, or the insurance policy expires, or the expiration of the term, the insurance is void."
This means that this policy has a limitation period.
After reviewing the information left in that year, the staff believed that the validity period of the policy should be one year, which means that after one year after signing the policy, it would not work.
However, they also said that although the insurance policy is invalid, they can also pay Mr. Peng 200 yuan, which is a little compensation.
Of course, Mr. Peng cannot agree with the explanations and solutions that the insurance company has come up with.
In order to get the compensation he deserved, he eventually came to the China Banking and Insurance Regulatory Commission for help, and also put his experience online, hoping to get the support of the broad masses of the people.
Because it involved the issue of insurance, which people are very concerned about, it soon caused widespread controversy in the society.
Under the pressure of public opinion, the relevant departments finally came forward to give a comprehensive explanation.
In fact, in addition to the problems mentioned above, there is also a controversy in this policy, that is, the insured unit "Chinese the People's Insurance Company" is not today's "Chinese Insurance Company".
Since 1996, the original Chinese Insurance Company has been abolished by the state, and three branches have been established.
What Mr. Peng should seek compensation for is actually Chinese Life Insurance Company, not Chinese Citizen Insurance Company.
However, despite the change of company, the relevant staff still did not respond to Mr. Peng's demands.
They said that due to the serious inflation in the mainland at the time of insurance, the insured amount of 2 million yuan is actually equivalent to 200 yuan today, so compensating Mr. Peng 200 yuan is already benevolent.
After reviewing the evidence submitted by both parties, the CBIRC also chose to side with the insurance company.
This controversy, which has lasted for many years, has finally come to a conclusion.
From two million yuan to two hundred yuan, the gap is not small, and it is no wonder that Mr. Peng is so persistent.
Today, Mr. Peng is still defending his rights, only hoping that the insurance company and Mr. Peng can eventually reach a settlement to avoid a worse situation.