【裁判要旨】被保险人投保后外出务工并改变职业,期间意外身亡,死亡原因与其职业没有直接的因果关系。保险公司没有证据证明其在出售保险时告知了投保人该项保险存在职业分类和赔付标准区别的规定,则其规定的职业分类和赔付标准条款对被保险人不产生法律效力,保险公司应当按照投保时被保险人的职业分类进行理赔。 Referee motto After the insured insured insured and change jobs, during the accidental death, the cause of death and their careers have no direct causal relationship. The insurance company has no evidence to prove that when it sold the insurance, it told the policyholder that there is difference between the occupational classification and the standard of compensation in the insurance, and the stipulated classification of occupation and the standard terms of the compensation did not have legal effect on the insured. The insurance company should follow the When insured insured occupation classification claims.