【案情梗概】2007年8月,投保人为仲某等400余名员工投保了人身意外伤害综合保险。2008年1月3日,仲某在下楼梯时摔倒,经医院抢救无效死亡。医院未作尸检,根据仲某死亡突然、意外等特征在《医学证明书》上认定为猝死。仲某家属为能及时火化,默认了“猝死”认定。次日,仲某家属将被保险人死亡情况电话通知保险公司。丧事处理完毕,仲某家属向保险公 [Case Summary] August 2007, the insured for more than 400 employees Zhongmou insured personal accident insurance. January 3, 2008, Zhongmou fell down the stairs, the hospital died of invalid rescue. The hospital was not autopsy, according to Zhongmou sudden death, accidents and other characteristics in the “medical certificate” identified as sudden death. Chung family members to promptly cremation, the default “Sudden Death ” identified. The next day, Chung family members will be insured by the death of the insured telephone company. Funeral was completed, Zhongmou family to the insurance company