环球法律评论
環毬法律評論
배구법률평론
GLOBAL LAW REVIEW
2011年
6期
89-99
,共11页
未成年人寿险%非正常死亡给付保险%被保险人投保%恶意投保
未成年人壽險%非正常死亡給付保險%被保險人投保%噁意投保
미성년인수험%비정상사망급부보험%피보험인투보%악의투보
在未成年人及其利害关系人的保险保障体系中，未成年人寿险乃是重中之重，然却不易厘清。未成年人寿险可以区分为一般的以未成年人为被保险人的人身保险和未成年人死亡给付保险。前者仅须一般调整即可，而后者是一种特殊类型的保险，在法益衡量中道德风险控制的必要优位于保险保障给付的需求，尚须限制运用。未成年人死亡给付保险对内还应进一步划分为丧葬费用损失填补保险和死亡定额给付保险。未成年人死亡定额给付保险理应受到特别限制，该限制以“被保险人同意规则的限制”为核心，兼及对保险金额、被保险人年龄、投保人和保险人的限制。不过这种限制在社会公众服务领域中的团体意外伤害险和定型化的短期意外伤害险中例外地被排除适用。
在未成年人及其利害關繫人的保險保障體繫中，未成年人壽險迺是重中之重，然卻不易釐清。未成年人壽險可以區分為一般的以未成年人為被保險人的人身保險和未成年人死亡給付保險。前者僅鬚一般調整即可，而後者是一種特殊類型的保險，在法益衡量中道德風險控製的必要優位于保險保障給付的需求，尚鬚限製運用。未成年人死亡給付保險對內還應進一步劃分為喪葬費用損失填補保險和死亡定額給付保險。未成年人死亡定額給付保險理應受到特彆限製，該限製以“被保險人同意規則的限製”為覈心，兼及對保險金額、被保險人年齡、投保人和保險人的限製。不過這種限製在社會公衆服務領域中的糰體意外傷害險和定型化的短期意外傷害險中例外地被排除適用。
재미성년인급기리해관계인적보험보장체계중，미성년인수험내시중중지중，연각불역전청。미성년인수험가이구분위일반적이미성년인위피보험인적인신보험화미성년인사망급부보험。전자부수일반조정즉가，이후자시일충특수류형적보험，재법익형량중도덕풍험공제적필요우위우보험보장급부적수구，상수한제운용。미성년인사망급부보험대내환응진일보화분위상장비용손실전보보험화사망정액급부보험。미성년인사망정액급부보험리응수도특별한제，해한제이“피보험인동의규칙적한제”위핵심，겸급대보험금액、피보험인년령、투보인화보험인적한제。불과저충한제재사회공음복무영역중적단체의외상해험화정형화적단기의외상해험중예외지피배제괄용。
Within the system of safeguard of insurance of minors and their interested persons, life insurance is the most important for minors, yet it lacks clear classification. Life insurance of minors can be divided into personal insurance with minors as the insured and death insurance. For the former, only a general readjustment will do and for the latter, the control of moral risk takes precedence over the need of safeguard of insurance when balancing legal interests. Death insurance of minors, intrinsically, should be further divided into indemnity insurance covering funeral expense and sum insurance against death. The sum insurance against death of minors needs to be specially restricted and the restriction shall be placed on the basis of the restriction of the rule of the consent of the insured, while taking into account restrictions on amount of insurance, the age of the insured, the policy holder and insurer. However, such restriction can not be applied in group accidental injury insurance and standardized short-term accidental injury insurance.
