年龄不实之保险合同的法律规制——以《保险法》第32条第2、3款为中心

发布时间：2018-03-29 11:26

  本文选题：年龄不实　切入点：短交保费　出处：《北京社会科学》2017年01期

【摘要】：在年龄不实导致投保人短交保险费的情况下,中国《保险法》规定,保险人享有要求投保人补交保费或比例赔付的选择权,而真正享有选择权的主体应当是投保人。保险法的规定导致保险人在保险事故已经发生的情况下更愿选择比例赔付,这对投保人有失公允,应当例外规定,若保险人对年龄不实存有过失,则投保人可以选择补交保费。在年龄不实导致投保人溢交保费的情况下,中国《保险法》仅规定了退还保险费一种处理方式,这一规定堵塞了双方当事人协商按照比例增加保险金的途径,应当赋予保险人退还保险费或按照比例增加保险金额的选择权。保险人选择退还溢交之保险费时,应一并退还溢交保险费之利息。保险人故意导致溢交保费的,应当按照比例增加保险金额。
[Abstract]:In the case of underpayment of insurance premiums by policyholders due to age misrepresentation, the Chinese Insurance Law stipulates that the insurer shall have the option to require the policyholder to make up the premium or to pay the premium proportionately. The subject that really enjoys the right of choice should be the policyholder. The provisions of the insurance law lead to the insurer being more willing to choose proportional compensation when the insurance accident has already taken place, which is unfair to the policyholder and should be excepted. If the insurer has fault with regard to age misrepresentation, the insured may choose to make up the premium. In the case of overpayment of premium by the policyholder due to unrealisation of age, China's Insurance Law provides only one way of handling the refund of insurance premium. This provision blocks the way for both parties to negotiate a proportional increase in the insurance premium, and should give the insurer the option to refund the premium or increase the amount of insurance proportionately. When the insurer chooses to return the overpaid insurance premium, Interest on overpaid insurance shall be refunded. If the insurer intentionally causes overpayment, the amount of insurance shall be increased proportionately.
【作者单位】： 中国青年政治学院法学院;
【基金】：国家社会科学基金青年项目(11CFX019)
【分类号】：D922.284
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本文编号：1680933