225: What is professional terminology?

This is what it means to be fully prepared, lacking only an east wind. All the evidence is ready. I don't know if we can win by just bringing a dog, but bringing Old Zhuang will definitely not be a problem.

The completeness of the evidence is one aspect; on the other hand, the Court probably also considered the 'unwritten rules' of this case, which is good, indicating they still understand some rules.

After Zhou Yun submitted the contract to the Court, he waited for the trial to be scheduled. However, before that trial could begin, a summons arrived from the Intermediate Court.

The case against the insurance company was scheduled for trial in two days.

This surprised Zhou Yun a bit; he had expected the labor dispute to proceed faster. But this was fine; handling the insurance case first was also acceptable.

At the same time, on the other side, inside the Hexi Branch of Guo Tai Insurance Company, Ren Jingcheng was discussing how to respond to the lawsuit with the Legal Director from the head office and other members of the legal department.

In our daily lives, we often say that insurance companies 'won't compensate for this, won't compensate for that,' and there's actually a reason for this saying.

The insurance industry, in previous years, truly experienced rampant growth. Those insurance salespeople would say anything to sell insurance.

And insurance contracts are so thick, plus the regulations are particularly obscure. To be honest, aside from professionals, very few people can understand them.

This led to an endless stream of disputes later on, precisely because of this.

The insurance company believes, 'We've written everything in the contract; if you don't understand it, that's your problem. As for what the salespeople said, show us the evidence!'

This is the problem: we can't possibly record every single interaction with salespeople, right!

So, with the development of the times and the progress of the rule of law, later on, the Court basically sided with ordinary consumers. As long as your insurance company failed to fulfill its duty to inform, then you lose.

Therefore, everyone can see that when signing contracts in recent years, it has become increasingly strict. Key points must be highlighted in bold, and you must manually copy them. There's also the 'dual recording' system, and so on.

The purpose of all this is to fulfill the duty to inform.

And the reason the Hexi Branch is so diligently responding now is mainly because they are afraid. They are not afraid of losing this case, but rather of this case leading to a chain reaction if they lose.

In the past, basically no one paid attention to this aspect. Heatstroke was considered a disease; that's how it was medically defined.

Consequently, in their previous contracts, they only wrote 'disease'.

But now, Zhou Yun has already pointed out that 'disease' is not an automatic exclusion for accidental injury insurance. This is stated in the statement of claim.

What does this mean? It means that if this case is lost, then the accidental injury insurance contracts of major insurance companies will have to be drastically revised. At the very least, the 'disease' aspect will need to be more finely categorized, and more thorough disclosure will be required when signing contracts.

"Mr. Ren, judging from past cases, our chances of winning are still very high, so there's no need to worry too much," the Legal Director said from the side.

Ren Jingcheng nodded upon hearing this. Although the current situation still looked vibrant and full of competition, it was Zhou Yun after all, and no one could guarantee a definite win.

That man is very skilled at finding loopholes, so they certainly couldn't let their guard down.

"Our strategy is to focus strictly on the point of 'disease'…"

In such an atmosphere, the day of the trial finally arrived.

Zhou Yun packed his things and left. He originally planned to attend the trial alone today, but Sun Yiling also wanted to be present, so he naturally wouldn't refuse.

At the entrance of Anping City Intermediate Peoples Court, Zhou Yun waited for a while and then saw Sun Yiling get off the bus.

"Ms. Sun, over here. We can go in soon."

Sun Yiling looked over when she heard the voice, then hurried a few steps to the entrance, saying apologetically, "Lawyer Zhou, I'm sorry to have kept you waiting."

Zhou Yun smiled upon hearing this and said, "It's alright, no rush. For lawsuits, as long as you're not late, it's fine. Have the insurance company people called you again recently?"

Sun Yiling nodded and said, "The claims specialist called twice more, I think. He just kept saying we should mediate and offered two thousand, then it seemed to go up to three thousand."

"Three thousand, huh? That's quite a bit. Three thousand for humanitarian compensation is good, but it's not much use to your family. Let's just fight the lawsuit properly. Come on, let's go into the Court!"

After Zhou Yun finished speaking, he led the way inside. He was determined to win this lawsuit today!

After an earlier investigation, he found that there hadn't been a similar case in this life yet. That's perfect; he could set an example for fellow lawyers later, ideally making it a typical case or even a guiding case!

They walked all the way into the Court, found Courtroom Four, and sat in the plaintiff's seats.

Across from them, two people were already seated in the defendant's seats: one was the Legal Director, and the other was Ren Jingcheng.

At this moment, Ren Jingcheng looked expressionless at Zhou Yun and the other person who had just sat down, while the Legal Director nodded in greeting to Zhou Yun.

Sun Yiling started to get nervous as soon as she arrived at the Court. Now that she was seated, she asked, "Lawyer Zhou, I don't need to speak later, do I? What if the other side asks me questions...?"

Zhou Yun smiled upon hearing this and said, "Don't worry, they won't ask you. They'll only be thinking about how to deal with me."

"After today's lawsuit, I estimate you'll also have a deeper understanding of the insurance industry. Insurance claims aren't just whatever the insurance company says they are."

"Even if it's written in the contract, it still needs to be reviewed for reasonableness. Alright, just relax and wait."

The two chatted casually like this. Seeing Zhou Yun's relaxed expression, Sun Yiling also calmed down.

She felt that Lawyer Zhou was truly reliable. It was great to have such a person as a teammate.

They waited for about ten minutes. During that time, the Clerk came to verify their identities, and then the members of the collegiate panel walked in.

The Presiding Judge was a woman in her forties with a smile on her face. She was the Deputy Presiding Judge of the Civil Division of Anping City Intermediate Peoples Court and was particularly skilled in judging insurance and financial cases.

The trial began. The procedure was as usual: first, they asked if mediation was desired, and both sides declined.

After completing the formalities, the Court investigation began, including presenting and cross-examining evidence, which was relatively simple.

Zhou Yun's evidence included common items like the contract, the death certificate issued by the hospital, medical records, and so on.

The insurance company's evidence was also not extensive; the contract was the most important, followed by the content in bold and highlighted sections, proving that they had fulfilled their duty to inform.

However, their evidence was destined to be useless because Zhou Yun had no intention of arguing from that angle.

Soon, the Court investigation phase ended, and the Presiding Judge announced the start of Court debate. The core point of contention between the two parties was whether heatstroke counted as a 'disease' as stipulated in the contract, and whether it was a deductible event.

Zhou Yun began, "Although the insurance contract in this case designates 'non-disease' as one of the elements for determining accidental injury, and treats death or injury caused by 'disease' as an insurance exemption clause."

"However, we must recognize one point: the modern medical definition of disease is merely a deviation from the normal form and function of the human body!"

This was the first point Zhou Yun wanted to clarify: what exactly is 'disease' in modern medicine.

Alright then, you say that disease is an automatic exclusion, right? I'll explain to you exactly what disease is.

Deviation from normal form and function, in other words, if the human body is abnormal, then it has a disease.

"But we should recognize that there are many factors that cause the human body's normal form and function to deviate. Some of these are external factors, and some are internal factors."

Here, Zhou Yun further explained the factor of 'disease'.

"So, in other words, if we suffer a clear accidental injury, such as a fractured bone from a car accident, does that fracture count as a disease? From the definition, it clearly does, because at that point, the normal form of the human body has deviated."

This is very simple logic, basically understandable even by those who don't know the law: directly using the medical definition to present counter-examples.

"But does this fracture count as an insurance exemption? Of course not."

Right? You tell me, if according to your logic, all diseases are considered exemptions, then this fracture wouldn't need to be compensated. But in reality, does it need to be compensated? The answer is definitively yes, it must be compensated.

At this point, Zhou Yun paused and then said:

"Therefore, 'disease' is not an automatic exemption for accidental injury insurance; determining accidental injury still requires specific analysis in conjunction with the facts of the case."