On the afternoon of December 16, 2022, at the invitation of the Insurance Legal Professional Committee of the Shenzhen Lawyers Association, it was jointly organized by the Insurance Legal Professional Committee of the Shenzhen Lawyers Association, the Insurance Legal Professional Committee of the Guangdong Lawyers Association, and the Insurance Legal Professional Committee of the Guangzhou Lawyers Association. At the seminar, our lawyer Lu Xin shared the theme of "Legal Analysis of Sudden Death Insurance Liability.

Lawyer Lu Xin first started with the similarities and differences in the definition of sudden death in different professional fields, captured the common characteristics of the definition of sudden death in different professional fields, and summarized the four basic elements of "seemingly healthy, potential disease, sudden death and causality" in the definition of sudden death. Secondly, according to the current situation that there is no unified standard for the definition of sudden death in the insurance industry, lawyer Lu Xin summarizes the problems such as time limit, complete causality limit, designated hospital limit and actual liability limit through the analysis of different insurance clauses, and analyzes them in combination with judicial cases.

As for the difficult question of whether sudden death caused by external force intervention and other multi-factor intervention constitute insurance liability, lawyer Lu Xin believes that further analysis and treatment should be made according to the principle of proximate cause, combined with the participation of external force or other intervention factors. At the same time, the identification of insurance liability cross is the focus and difficulty in the practice of claims. Lawyer Lu Xin combined with the possible cross-liability problems between sudden death insurance and accidental injury insurance, employer liability insurance, work injury insurance and other insurance types, and provided his own unique insights and handling ideas.

Finally, Lu Xin's lawyer on the sudden death insurance claims processing, with the participants to analyze and discuss the main points of insurance accident investigation, autopsy necessity, death certificate processing, the right to benefit from the qualification and other legal issues involved.

Deep cultivation in the legal market segments requires perseverance. It takes courage to forge ahead. Lawyer Cui Qingning of the Insurance Law Professional Committee of the Guangzhou Lawyers Association believes that the theoretical knowledge involved in this seminar is solid, practical guidance is strong, multi-angle and multi-level analysis of problems, and it has a clear guiding role in handling sudden death cases. Attorney Jin Zhenchao, deputy director of the Business Innovation and Development Working Committee of the Shenzhen Lawyers Association, believes that this lecture is both theoretical and practical, and the speaker has rich practical experience, which reflects the professional level and professional responsibility of insurance lawyers.

This lecture, combined with the analysis of the similarities and differences in the definition of sudden death in the insurance provisions of different insurance companies, analyzed and discussed the relevant legal issues involved in dealing with sudden death insurance cases, and exchanged judicial practice thinking and litigation experience. It provides suggestions and references for insurance companies when formulating such insurance clauses, and at the same time improves the theoretical level and business skills of the participants. This sharing exchange activity was a complete success.