Key legal question
Whether the cantonal judgment should be annulled and the case remitted for a supplementary medical expert opinion on causal link and work capacity
Extracted holding
The existing medical file was insufficient to decide the dispute; a supplementary expertise was required.
Extracted reasoning
The judicial expert relied too much on general medical theory and did not sufficiently link it to the insured's individual case. The court could not instead rely on the insurer's doctor without further inquiry because the medical opinions diverged on essential facts and doctrine.