男子患癌后被拒赔，保险公司：原位癌不属恶性肿瘤，不赔！法院判了

Core Viewpoint - The case highlights a dispute between an individual and an insurance company regarding the definition of "malignant tumors" in the context of critical illness insurance, specifically concerning the exclusion of "in situ cancer" from coverage [2][5][7]. Group 1: Case Background - Zhang, a resident of Huainan, purchased a life insurance policy that included critical illness coverage, paying premiums annually as agreed [2][4]. - The insurance policy defined critical illnesses, including malignant tumors, but explicitly excluded "in situ cancer" from coverage [2][3]. Group 2: Legal Proceedings - After being diagnosed with "in situ cancer" and undergoing surgery, Zhang applied for a claim, which the insurance company denied, stating it did not meet the criteria for a malignant tumor as per the policy [3][5]. - Zhang subsequently filed a lawsuit against the insurance company, seeking a payout of 150,000 yuan for the critical illness insurance [4][6]. Group 3: Court Rulings - The first-instance court ruled in favor of Zhang, stating that the insurance company failed to adequately explain the exclusion of "in situ cancer" in a manner understandable to the average person [6]. - The insurance company appealed, but the Huainan Intermediate Court upheld the original ruling, determining that the exclusion clause was not effectively communicated and thus was not enforceable [7][8].