人寿保险合同解除权行使中的利益平衡

发布时间：2018-03-05 20:14

本文选题：人寿保险合同　切入点：法定解除权　出处：《北京航空航天大学学报(社会科学版)》2016年06期 　论文类型：期刊论文

【摘要】：寿险保单积累的现金价值决定了此类保单的财产属性,成为投保人解除保险合同的根本动因。保险金权利人的保险合同效力维持利益根源于投保人交纳的保费,经过不断的积累和转化,最终以保险金的形式表现出来。当保险合同订立者与合同利益享有者相分离时,寿险合同解除权的行使与合同效力维持利益的冲突得以显现。此时,应对投保人的法定解除权设置必要的限制:区分寿险合同的类型和解除权行使的期间,确定解除权行使的具体方式,明确特殊情形下的解除权主体,在投保人的意思自治和保险金权利人的合法利益之间寻求合理的平衡点,实现人寿保险互助共济的社会目的。
[Abstract]:The cash value accumulated by the life insurance policy determines the property attribute of the policy and becomes the fundamental motivation for the policy holder to terminate the insurance contract. After continuous accumulation and transformation, it is finally manifested in the form of insurance gold. When the insurance contract conclusion is separated from the contract benefit holder, the conflict between the exercise of the right to rescind the life insurance contract and the maintenance interest of the contract effectiveness becomes apparent. The necessary restrictions should be set on the legal right of rescission of the policyholder: to distinguish the type of life insurance contract and the period of exercise of the right of rescission, to determine the specific mode of exercise of the right of dissolution, and to clarify the subject of the right of rescission under special circumstances, In order to achieve the social goal of mutual aid and mutual aid of life insurance, we should seek a reasonable balance between the autonomy of the will of the insured and the legitimate interests of the right holder of insurance.
【作者单位】：北京航空航天大学法学院;
【基金】：中央高校基本科研业务费专项资金资助项目(YWF-14-RSC-044)
【分类号】：D922.284

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