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1995年10月,原告奚某因保险纠纷向法院起诉,其妻张某原是被告上海某制衣有限公司副总经理,1993年11月,该公司以张某为被保险人,向保险公司投保了“团体人身意外伤害保险”,并以被告公司为受益人,保险金额为人民币10万元。1994年4月,张某乘公司汽车出差,途中因车祸身亡。奚某认为,个人人身意外伤害保险的受益人,只能是被保险人的近亲属,而不应该是单位法人或其它无关的人。于是,向法院起诉,诉请获得保险合同中约定的10万元保险金。
In October 1995, the plaintiff, Xi, sued the court for insurance disputes. His wife Zhang was originally the deputy general manager of the defendant Shanghai Garment Co., Ltd. In November 1993, the company took Zhang as the insured and insured to the insurance company Insured Group Personal Accident Insurance and benefited the defendant company with the insured amount of RMB 100,000. In April 1994, Zhang took a car on a business trip and died on the way from a car accident. Xi believes that personal beneficiaries of personal accident insurance, only the insured’s close relatives, and should not be legal entities or other unrelated persons. As a result, the prosecution to the court, petitioned to obtain the insurance contract agreed 100,000 yuan insurance.