未成年人死亡给付保险之道德危险防范——以《保险法》司法解释(三)第六条为背景
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摘要
死亡给付保险是以被保险人死亡这一保险事故发生为给付保险金条件的一类人身保险,而未成年人作为这类保险中的特殊群体,由于其心智的不成熟以及自我保护意思和能力的欠缺,导致道德危险之高发生率成为这类保险的关键问题。为了权衡未成年人对于死亡给付保险之客观需求与道德危险高发之利益冲突,我国保险法在投保人资格、被保险人同意以及最高保额限制等方面作出具体规定,近日,最高人民法院发布的《保险法》司法解释三第六条又提出,其他监护人只有在父母同意的情况下才可为未成年人投保死亡给付保险,这样的规定是对投保人资格的进一步限制,然而,其实则能否达到最佳之效果,起到最优危险防范之作用,则需要进一步讨论。
The death of the insured is the death of the insured in the insurance accident happened one condition for the payment of insurance money and insurance of minors as a special group,this type of insurance,due to the lack of the mind is not mature and the sense of self-protection and ability,cause moral risk high incidence has become the key problem this type of insurance.In order to balance the interests of minors to death the objective needs of insurance and moral hazard in the conflict,the insurance law of our country in the applicant qualifications,the consent of the insured,the maximum insured amount of restrictions and so on to make specific provisions,recently,the Supreme People's Court issued the"insurance law"judicial interpretation of the three sixth then,the guardian only in the parental consent for minors to insure the death of the insured,such a provision is further limited to the insured,but in fact it can be qualified,to the most effect,play a role in risk prevention is the best,need to be further discussed
The death of the insured is the death of the insured in the insurance accident happened one condition for the payment of insurance money and insurance of minors as a special group,this type of insurance,due to the lack of the mind is not mature and the sense of self-protection and ability,cause moral risk high incidence has become the key problem this type of insurance.In order to balance the interests of minors to death the objective needs of insurance and moral hazard in the conflict,the insurance law of our country in the applicant qualifications,the consent of the insured,the maximum insured amount of restrictions and so on to make specific provisions,recently,the Supreme People's Court issued the"insurance law"judicial interpretation of the three sixth then,the guardian only in the parental consent for minors to insure the death of the insured,such a provision is further limited to the insured,but in fact it can be qualified,to the most effect,play a role in risk prevention is the best,need to be further discussed
引文
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[2]刘宗荣.以未成年子女或精神障碍人为被保险人投保死亡保险的修法评议—评保险法第107条的修正得失[J].月旦法学(台湾元照出版公司),2010(4).
[3][10][11][12][13]梁鹏.死亡保险被保险人同意权之研究[J].保险研究,2010(07):100-107.
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[5][英]M·L·Clark..保险合同法[M].何美欢,吴志攀等,译.北京:北京大学出版社,2002:80-81.
[6][美]埃米特·J·沃恩,特丽莎·M·沃恩.危险原理与保险[M].张洪涛,译.北京:中国人民大学出版社,2002:192.
[7][美]乔治·E·瑞达.风险管理与保险原理[M].申曙光,译.北京:中国人民大学出版社,2006:10.
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[14]中国保险监督管理委员会.中国保险监督管理委员会关于父母为其未成年子女投保死亡人身保险限额的通知.1999.
[15]中国保险监督管理委员会.中国保险监督管理委员会关于在北京等试点城市放宽未成年人死亡保险金额通知.2002.
[16]中国保险监督管理委员会.关于父母为其未成年子女投保以死亡为给付保险金条件人身保险有关问题的通知.2010.
[17]最高人民法院.最高人民法院关于适用〈中华人民共和国保险法〉若干问题的解释(三).2015.
[18]George E·Rejda.Principle of Risk Management and Insurance[J].Harper Collins College Pub,1995(432).
[19]张遥,刘渝.关于我国未成年人人寿保险的几点思考[J].中国保险,2009(2):21-23.
[21]周丽.以死亡为给付条件的未成年人保险问题初探[J].钦州学院学报,2011-8(4).
[2]刘宗荣.以未成年子女或精神障碍人为被保险人投保死亡保险的修法评议—评保险法第107条的修正得失[J].月旦法学(台湾元照出版公司),2010(4).
[3][10][11][12][13]梁鹏.死亡保险被保险人同意权之研究[J].保险研究,2010(07):100-107.
[4]池小萍.也谈未成年人保险中关于死亡责任问题——与杨利田同志商榷[J].武汉金融高等专科学校学报,1995(4):48-50.
[5][英]M·L·Clark..保险合同法[M].何美欢,吴志攀等,译.北京:北京大学出版社,2002:80-81.
[6][美]埃米特·J·沃恩,特丽莎·M·沃恩.危险原理与保险[M].张洪涛,译.北京:中国人民大学出版社,2002:192.
[7][美]乔治·E·瑞达.风险管理与保险原理[M].申曙光,译.北京:中国人民大学出版社,2006:10.
[8]张遥,刘渝.关于我国未成年人人寿保险的几点思考[J].中国保险,2009(2):21-23.
[14]中国保险监督管理委员会.中国保险监督管理委员会关于父母为其未成年子女投保死亡人身保险限额的通知.1999.
[15]中国保险监督管理委员会.中国保险监督管理委员会关于在北京等试点城市放宽未成年人死亡保险金额通知.2002.
[16]中国保险监督管理委员会.关于父母为其未成年子女投保以死亡为给付保险金条件人身保险有关问题的通知.2010.
[17]最高人民法院.最高人民法院关于适用〈中华人民共和国保险法〉若干问题的解释(三).2015.
[18]George E·Rejda.Principle of Risk Management and Insurance[J].Harper Collins College Pub,1995(432).
[19]张遥,刘渝.关于我国未成年人人寿保险的几点思考[J].中国保险,2009(2):21-23.
[21]周丽.以死亡为给付条件的未成年人保险问题初探[J].钦州学院学报,2011-8(4).