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? ? ? ?建筑工程意外傷害的理賠都是需要提供案件證明的

? ? ? ?建(jian)筑工(gong)(gong)程施工(gong)(gong)過程中，工(gong)(gong)人(ren)發生意外(wai)死亡。保險公司以保單(dan)條款為由要(yao)求(qiu)提供案(an)件(jian)證明，否則不賠。這個是否有法律效(xiao)應呢？

? ? ? ?某建筑工(gong)程(cheng)裝修公(gong)司購買了(le)建筑工(gong)人團意險(xian)，保(bao)額是三十萬。工(gong)人在施工(gong)過(guo)程(cheng)中，由二樓樓梯井口墜(zhui)落(luo)到(dao)負(fu)一樓后(hou)(hou)死亡。裝修公(gong)司報案后(hou)(hou)，公(gong)安機關到(dao)現場(chang)查(cha)看后(hou)(hou)，排(pai)除了(le)其他(ta)刑(xing)事(shi)犯罪，建筑企(qi)業也去案件(jian)部門做(zuo)了(le)筆錄(lu)，但(dan)是未能開(kai)具案件(jian)證明(ming)，保(bao)險(xian)公(gong)司以企(qi)業沒有提(ti)供(gong)案件(jian)證明(ming)為由拒絕(jue)賠付。

? ? ? ?后(hou)(hou)來(lai)(lai)企(qi)業跟保(bao)險(xian)公(gong)司協商，最后(hou)(hou)面保(bao)險(xian)公(gong)司說最多只賠(pei)(pei)七成。客戶覺得(de)(de)裴跌了(le)(le)，后(hou)(hou)來(lai)(lai)雙方沒(mei)有(you)談攏，法院(yuan)(yuan)企(qi)業提供(gong)了(le)(le)一些(xie)(xie)有(you)力(li)證據后(hou)(hou)，法院(yuan)(yuan)判決保(bao)險(xian)公(gong)司敗(bai)訴(su)。最近一些(xie)(xie)保(bao)險(xian)公(gong)司更換了(le)(le)新條款，主要(yao)是因為(wei)建筑(zhu)工程款影響的(de)賠(pei)(pei)付率越(yue)來(lai)(lai)越(yue)高。如果按(an)有(you)些(xie)(xie)新條款傷(shang)殘(can)和(he)醫(yi)療的(de)理賠(pei)(pei)都是需(xu)要(yao)提供(gong)案(an)件證明的(de)。為(wei)了(le)(le)避免這(zhe)些(xie)(xie)條款對企(qi)業索賠(pei)(pei)進行(xing)約束，可以(yi)通過增加特別約定來(lai)(lai)避免這(zhe)個問(wen)題，沒(mei)必要(yao)通過打官司才能獲得(de)(de)賠(pei)(pei)償。專(zhuan)業讓(rang)理賠(pei)(pei)變(bian)得(de)(de)更簡單。

? ? ? ?建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)保(bao)險(xian)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)團體(ti)(ti)險(xian)誰買，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)險(xian)是(shi)強制險(xian)嗎，意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)賠(pei)(pei)償標準最(zui)新規定(ding)，國(guo)壽建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)團體(ti)(ti)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)。，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)地(di)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)屬于什(shen)么(me)(me)，土建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)施工(gong)(gong)(gong)(gong)(gong)(gong)中的意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)施工(gong)(gong)(gong)(gong)(gong)(gong)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)保(bao)險(xian)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)團體(ti)(ti)險(xian)誰買，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)險(xian)是(shi)強制險(xian)嗎，意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)賠(pei)(pei)償標準最(zui)新規定(ding)，國(guo)壽建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)團體(ti)(ti)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)。，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)地(di)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)屬于什(shen)么(me)(me)，土建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)施工(gong)(gong)(gong)(gong)(gong)(gong)中的意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)施工(gong)(gong)(gong)(gong)(gong)(gong)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，施工(gong)(gong)(gong)(gong)(gong)(gong)期間意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)免責條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)保(bao)險(xian)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)施工(gong)(gong)(gong)(gong)(gong)(gong)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)責任劃(hua)分，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)施工(gong)(gong)(gong)(gong)(gong)(gong)人員(yuan)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)案例，意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)保(bao)險(xian)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)房合(he)同人員(yuan)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)一切險(xian)的意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)事故怎么(me)(me)定(ding)義