The problem is that if the insured person dies in the crime process, the judicial organ will no longer prosecute, and the insurance company can not obtain the guilty verdict.

It is reported that the China Insurance Regulatory Commission has replied before: if a criminal has already died and can not be tried, it should be understood that in fact, it has obviously constituted a crime.

The question of "who has actually constituted a criminal offence" still faces.

The insurance company said that the intentional crime committed by the insured is the direct cause of death, and the main reason is the death or disability caused by intentional crime.

For example, when people fight to death, whether they are killed by others or whether they claim compensation or not, whether the death is caused by the defense of the other party when they are stolen, whether the claim is compensated or not, whether the administrative coercive measures are resisted, and whether the death is caused by the criminal coercive measures or whether the disability is paid or not, all of these need to be further clarified by the law.