想問一下感染上新型冠狀病毒是意外事故還是算疾病？是用意外險理賠還是用重疾險

？

對於意外險
，保險公司將“意外”二字定義為：“屬於受外來
、突發的、非本意的、非疾病的使得身體受到傷害的客觀事件”
，suoyixinxingguanzhuangbingduganrandefeiyanzhezhongjibingbingfeiyiwai，wufahuodeyiwaixiandepeichang。danmuqianhenduobaoxiangongsituichudeyiwaidouewaizengjialexinxinxingguanzhuangbingdudebaozhang

此次新型冠狀病毒感染的肺炎並非列在重疾險的保障範疇內，一般重疾險被定為：“以特定重大疾病，如惡性腫瘤、心肌梗死、naoyixuedengweifengxianfashengshi，dangbeibaorendadaobaoxiantiaokuansuoyuedingdezhongdajibingzhuangtaihou，youbaoxiangongsigenjubaoxianhetongyuedingzhifubaoxianjindeshangyebaoxianxingwei。zhiyuyiwaixiannengbunengpei，xianzaizhuyaohaishikanbaoxiangongsi，muqianyouhaojikuanyiwaixiankeyilipeile。

目mu前qian新xin型xing冠guan狀zhuang病bing毒du感gan染ran肺fei炎yan致zhi死si是shi屬shu於yu意yi外wai死si亡wang險xian

，並bing不bu能neng算suan是shi重zhong疾ji險xian。雖sui然ran此ci前qian新xin型xing冠guan狀zhuang病bing毒du從cong未wei發fa現xian過guo，但dan是shi感gan染ran這zhe種zhong病bing毒du所suo出chu現xian的de肺fei炎yan卻que可ke以yi使shi人ren喪sang命ming。新xin型xing冠guan狀zhuang病bing毒du致zhi死si的de病bing例li屢lv屢lv發fa生sheng。因yin感gan染ran新xin型xing冠guan狀zhuang病bing毒du致zhi死si的de情qing況kuang可ke以yi申shen請qing人ren壽shou險xian獲huo得de理li賠pei
，至zhi於yu意yi外wai險xian是shi否fou賠pei付fu還hai得de看kan其qi具ju體ti保bao險xian責ze任ren，針zhen對dui這zhe樣yang的de情qing況kuang