《江苏保险》1995年第二期刊载黄仁龙先生《这笔保险金应如何给付》(下称《黄文》),作者肯定了童某违章作业遭受伤害属意外伤害,并认为该次伤害非其死亡直接原因,主张全额赔偿四建公司医院医疗费,是正确的。但认为:童的死亡及童在薛处医疗费和鹰潭市人民医院的抢救费等均为童某拒绝植皮手术所致,即“拒受手术”与童死亡及离开四建医院后的一切费用之间是一种必然因果关系,主张拒付死亡保险金、私人诊所医疗费和 The second issue of “Jiangsu Insurance” published in 1995, Mr. Huang Renlong “how to pay this insurance premium” (hereinafter referred to as “Huang Wen”), the author affirmed Tong a violation of the operation was an accidental injury, and that the injury is not The direct cause of death, advocating a full compensation for four hospital construction medical expenses, is correct. However, it is believed that the death of a child and the medical expenses of a child in Xue and the rescue fee of the People’s Hospital of Yingtan City are all caused by the rejection of skin grafting by Tongmou, namely, “refusing surgery” and the death of a child and all costs incurred after leaving the four-building hospital Is a necessary causal relationship between advocating protest of death insurance, private clinic medical expenses and