我国未成年人死亡保险问题研究

发布时间：2019-05-07 03:11

【摘要】：未成年人死亡保险不同于一般的保险,最大的不同点是如果发生道德危险,未成年人很可能会因此丧命,这种结果是巨大的并且无法挽回的。因此道德危险的控制是未成年人死亡保险的核心问题。我国《保险法》第33条、34条的规定的意义就是尽可能的减低甚至摒除此保险所产生的道德危险,同时也在一定程度上满足了该种保险的本质要求,但是,条款中的某些规范也在某种程度上忽略了一些未成年人的需要,并且没有考虑到未成年人同意权利无法充分行使的情形。所以本文在本质上是从深入探讨未成年人死亡保险道德风险防控方式以及我国保险法中关于未成年人死亡保险存在的问题出发,通过分析其问题存在的原因以及我国的现状,从而提出解决办法,进而寻求完善之道。本文一共分四个部分。第一章主要是简单介绍死亡保险的含义。简单阐述死亡保险的基本概念及分类,主要关注的是未成年人死亡保险在法益上的权衡,优先防控道德方面的风险,这部分主要体现在两个方面,第一方面是未成年人死亡保险,如果发生道德危险,它的结果是没有办法逆转的。第二方面是由于未成年人缺乏自我保护的认知与自我保护的能力,在为他们投保时所产生的道德风险要明显高于其他种类的保险。第二章阐述了国内外的研究成果,其中包括国内外主要模式的简述以及四种主要模式的比较分析。另外我国台湾地区的立法发展历程也是具有重要的借鉴作用。第三章则是提出了我国未成年人死亡保险存在的问题。其中存在的问题是主要研究和讨论的核心,主要存在三大方面的问题,第一个问题是投保主体范围过于狭窄,第二个问题是限制民事行为能力人和精神病人时的同意权问题,第三个问题是对违反核保义务的投保人缺乏适当的规制。第四章是对我国未成年人死亡保险提出了改善的建议。主要围绕在三个方面进行阐述,第一个方面是适当拓宽投保的主体范围,第二个方面是限制民事行为能力人的同意权应该专属化,第三个方面是违反保险核保义务的投保人应该有相应的责任承担。综上本文对未成年人死亡保险做了一个系统明晰的阐释和系统的整理,由于国内论文数量较少,本文没能提出较为新颖和创新性的前瞻性建议,还需继续研究钻研。
[Abstract]:Underage death insurance is different from general insurance, the biggest difference is that if there is a moral hazard, minors are likely to die as a result, this result is huge and irreparable. Therefore, the control of moral hazard is the core issue of death insurance for minors. The meaning of Article 33 and Article 34 of China's Insurance Law is to reduce or even exclude the moral hazard arising from this insurance as far as possible, and also to a certain extent to meet the essential requirements of this kind of insurance, but, Some of the norms in the articles also to some extent ignore the needs of some minors and fail to take into account the circumstances in which the minor's right of consent cannot be fully exercised. Therefore, in essence, this paper discusses the ways of moral hazard prevention and control of death insurance for minors and the existing problems of death insurance for minors in our insurance law, and analyzes the causes of the problems and the present situation of our country through the analysis of the reasons for the existence of the problems and the present situation of our country. Thus puts forward the solution, and then seeks the perfect way. This paper is divided into four parts. The first chapter is a brief introduction to the meaning of death insurance. This paper briefly expounds the basic concept and classification of death insurance, which is mainly concerned with the trade-off of the legal interests of death insurance for minors and the moral risk of priority prevention and control. This part is mainly reflected in two aspects. The first aspect is death insurance for minors, whose consequences cannot be reversed if there is a moral hazard. Secondly, due to the lack of self-protection cognition and ability of self-protection, the moral hazard caused by underage insurance is significantly higher than that of other types of insurance. The second chapter describes the research achievements at home and abroad, including a brief description of the main models at home and abroad and a comparative analysis of the four main models. In addition, the legislative development of Taiwan is also an important reference. The third chapter puts forward the problems of death insurance for minors in our country. The existing problems are the core of the main research and discussion, and there are three major problems. The first is that the scope of insurance is too narrow, and the second is to limit the right of consent of persons with civil capacity and mental patients. The third problem is the lack of proper regulation for the policy-holder who violates the obligation of insurance. The fourth chapter is to our country minor death insurance put forward the improvement suggestion. The first aspect is to broaden the scope of the subject of insurance properly, the second aspect is to restrict the civil capacity of the consent rights should be exclusive. The third aspect is that the policy-holder who violates the insurance obligation should have the corresponding responsibility. This paper makes a systematic and clear explanation and systematical arrangement of death insurance for minors. Due to the small number of papers in China, this paper has failed to put forward more novel and innovative forward-looking suggestions, and it needs to continue to study and study.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

【相似文献】