案例一:陆某于2001年5月投保了某保险公司保险20份,其中重大疾病险保额10万元,年缴保费600元。2002年7月,他向该保险公司某分公司提出索赔,并提供了某医院“慢性肾功能不全,尿毒症期”诊断证明,证明材料上显示陆某住院仅3天,病史为1周。该保险公司理赔人员在多所医院仔细调查后 Case 1: Lu Mou insured 20 insurance companies in May 2001, of which 100,000 were insured against major diseases, with an annual premium of 600 yuan. In July 2002, he filed a claim with a branch of the insurance company and provided a diagnosis of “chronic renal insufficiency and uremia” in a hospital. The evidence showed that Lu had been hospitalized for only 3 days and his medical history was one week. The insurance company claims staff in a number of hospitals after careful investigation