完善我国未成年人死亡保险制度的探讨——以《保险法司法解释三》第6条为重点

发布时间：2018-03-16 06:28

本文选题：死亡保险　切入点：人身保险　出处：《南方金融》2016年09期 　论文类型：期刊论文

【摘要】：我国未成年人死亡保险制度通过对投保主体和保险金额的双重限制来防控道德危险、保护未成年人生命权。该制度将父母投保抑或父母同意作为防控道德危险的主要措施,这种方式在实践上存在较大隐患。近年,最高人民法院、中国保监会分别通过司法解释、规范性文件放松了对未成年人死亡保险投保主体及保险金额的限制,但并未实质性弥补《保险法》对未成年人保护的技术性缺漏,更未纠正对亲权理念的偏颇性认识。鉴于此,建议近期对《保险法司法解释三》第6条的疑义之处予以明晰和补充,进一步丰富保险人核保内容并强化其责任;从长远考虑,应对《保险法》第33条和34条进行立法论上的重构,以建立既可对道德危险进行防控、又可满足未成年人保险需求的死亡保险制度。
[Abstract]:The death insurance system for minors in our country prevents and controls moral hazard and protects the right to life of minors through double restrictions on the subject of insurance and the amount of insurance. This system takes parents' insurance or parents' consent as the main measure to prevent and control moral hazard. In recent years, the Supreme people's Court and the China Insurance Regulatory Commission have relaxed the restrictions on the subject and amount of insurance for the death insurance of minors through judicial interpretation and normative documents. However, it has not substantially made up for the technical gaps in the protection of minors in the Insurance Law, let alone rectified the biased understanding of the concept of parental power. It is suggested that the doubts in Article 6 of the Judicial interpretation of the Insurance Law should be clarified and supplemented in the near future, so as to further enrich the contents and strengthen the liability of the insurer. Articles 33 and 34 of the Insurance Law should be reconstructed in legislation in order to establish a death insurance system which can prevent and control moral hazard and meet the needs of minors' insurance.
【作者单位】：中央财经大学法学院;
【分类号】：D922.284

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