旅行社责任保险赔付制度之反思与重构
发布时间：2018-12-09 15:01
【摘要】：现行法之所以强制旅行社投保旅责险,其主要目的在于为旅游事故受害人提供基本保障。然而,《旅行社责任保险管理办法》在诸多制度上沿袭了《保险法》关于自愿保险的规定,致使旅责险的制度功能难以彰显,立法目的难以实现。我国未来立法应当在厘清旅责险"第三者"范围的基础上,赋予受害第三者直接请求保险人赔付保险金的权利。无论是旅行社还是保险人,原则上不得撤销或解除合同,以最大限度维持合同之存续。旅责险的赔付范围限于受害人因人身伤亡而发生的财产损害,履行利益损害、财物损害以及精神损害等与基本保障无关,因此不应纳入赔付范围。保险人之免责事由应受严格限制,司法实践中常见的旅行社违法违规行为、履行辅助人故意行为等原则上不得作为保险人对抗受害人的免责事由。
[Abstract]:The main purpose of the current law is to provide basic protection for the victims of tourist accidents. However, the Management method of Travel Agency liability Insurance follows the provisions of the Insurance Law on voluntary insurance in many systems, which makes the function of travel liability insurance system difficult to manifest and the legislative purpose difficult to achieve. On the basis of clarifying the scope of "third party" of travel liability insurance, China's future legislation should grant the injured third party the right to ask the insurer to pay insurance compensation directly. Neither travel agency nor insurer shall, in principle, cancel or terminate the contract in order to maintain its existence to the maximum extent possible. The compensation scope of travel liability insurance is limited to the property damage caused by personal injury, performance benefit damage, property damage and moral damage, which is not related to basic security, so it should not be included in the scope of compensation. The reason of the insurer's exemption should be strictly restricted. In principle, the common illegal behavior of travel agency and the intentional behavior of the assistant should not be taken as the reason for the insurer to fight against the victim.
【作者单位】： 西南财经大学法学院;
【基金】：教育部人文社会科学研究青年基金项目“社会保险与商业保险并行给付的法律规制研究”(16YJC820042) 西南财经大学中央高校基本科研业务费专项资金2017年度青年教师成长项目“旅行社责任保险制度构造研究”共同资助~~
【分类号】：D922.284
本文编号：2369577
[Abstract]:The main purpose of the current law is to provide basic protection for the victims of tourist accidents. However, the Management method of Travel Agency liability Insurance follows the provisions of the Insurance Law on voluntary insurance in many systems, which makes the function of travel liability insurance system difficult to manifest and the legislative purpose difficult to achieve. On the basis of clarifying the scope of "third party" of travel liability insurance, China's future legislation should grant the injured third party the right to ask the insurer to pay insurance compensation directly. Neither travel agency nor insurer shall, in principle, cancel or terminate the contract in order to maintain its existence to the maximum extent possible. The compensation scope of travel liability insurance is limited to the property damage caused by personal injury, performance benefit damage, property damage and moral damage, which is not related to basic security, so it should not be included in the scope of compensation. The reason of the insurer's exemption should be strictly restricted. In principle, the common illegal behavior of travel agency and the intentional behavior of the assistant should not be taken as the reason for the insurer to fight against the victim.
【作者单位】： 西南财经大学法学院;
【基金】：教育部人文社会科学研究青年基金项目“社会保险与商业保险并行给付的法律规制研究”(16YJC820042) 西南财经大学中央高校基本科研业务费专项资金2017年度青年教师成长项目“旅行社责任保险制度构造研究”共同资助~~
【分类号】：D922.284
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