44岁网约车司机李某因在充电站突然猝死引发保险理赔纠纷。[1]李某每日从早上6点接单至晚上10点进行无休驾驶，2023年12月23日15时54分完成最后一单后前往充电站，随后在充电站猝死，16时23分不幸身亡。[1]
保险公司以车辆处于静止状态、不符合"驾驶车辆过程中突发疾病死亡"的理赔条件为由拒赔。[1]上海闵行区人民法院经审理认定，保险条款与特别约定存在矛盾，应作出对保险公司不利的解释。[1]法院进一步认定，充电属于网约车运营的必要组成部分，应视为"驾驶过程"的延续，而李某下车后1分钟内即出现身体不适，属于"驾驶过程中"发病。[1]基于上述认定，法院判决保险公司向李某的继承人支付保险理赔款60万元。[1]二审维持原判，案件已生效。[1]
A 44-year-old ride-hailing driver in Shanghai died after collapsing at a charging station on December 23, 2023, sparking a legal dispute over insurance coverage that has now been resolved in favor of the deceased's heirs.[1] The driver, identified as Li, completed his final ride-hailing order at 3:54 p.m. that day and subsequently suffered a fatal medical emergency at the charging station, passing away at 4:23 p.m.[1] Li had been working continuously from 6 a.m. to 10 p.m. daily without rest to drive for the ride-hailing platform.[1]
The insurance company initially denied the death benefit claim, arguing that the driver was not actively operating the vehicle at the time of the incident since the vehicle was stationary during charging.[1] However, the Shanghai Minhang District People's Court determined that the charging process constitutes an integral and necessary part of ride-hailing operations, effectively extending the "driving process."[1] The court further ruled that since Li experienced physical distress within one minute of exiting the vehicle, his fatal illness occurred within the scope of work-related activities.[1] The court also found that the insurance policy's phrasing created an ambiguity that should be interpreted against the insurance company.[1]
The court ordered the insurance company to pay 600,000 yuan in death benefits to Li's heirs.[1] The insurance company appealed the decision, but the second instance court upheld the original judgment, making the ruling final.[1]
