未指定受益人死亡保险金归属的立法比较  

Comparison and Analysis of the Legislation on Death Claims′ Distribution without Beneficiary

作　　者：李娟[1] 

机构地区：[1]湖北工业大学经济与政法学院,湖北武汉430068

出　　处：《湖北工业大学学报》2013年第6期30-32,47,共4页Journal of Hubei University of Technology

基　　金：湖北省教育厅人文社科研究项目(13d031)

摘　　要：各国保险立法在"未指定受益人时死亡保险金归属于谁"的问题上,存在属于"被保险人继承人"、"投保人"、"保单所有人",这三种不同观点。分歧的原因,从立法本身来考察,在于这三个主体的法律地位与权利分配在不同国家立法上存在差异;从其理论基础来看,在于对死亡保险金的性质有不同的认识,分别存在被保险人债权说、投保人债权说和保单所有人债权说这三种学说。这三种学说分别产生于不同的保险市场,源于对人寿保险功能的不同认识。因此我国保险立法的相关规定具有历史合理性。On death claimsr distribution without beneficiary, some countries have three different attitudes, belonging to the insuredrs heir, the applicant, the owner of the policy.The agent behind this disagreement is, from the legislation itself , difference between the legal status and rights distribution of the three subjects.From the theoretical basis, it is because of different understanding about death claims＇ nature which belong to the insured, or the applicant, or the owner of the policy.The three theories were produced in different insurance market, based on different views on life insurance function.therefore, the relevant provisions of China＇s insurance law has historical rationality.

关 键 词：死亡保险金 被保险人 投保人 保单所有人 立法比较 

分 类 号：D923.995[政治法律—民商法学]