论不可撤销受益人制度之建立  

On the Establishment of the Irrevocable Beneficiary System

作　　者：梁鹏[1] 

机构地区：[1]中国青年政治学院法学院,北京100089

出　　处：《广州大学学报（社会科学版）》2016年第5期38-42,共5页Journal of Guangzhou University:Social Science Edition

基　　金：国家社科基金项目(11CFX019)

摘　　要：依照我国保险法,被保险人对变更受益人享有绝对之权利,然而,在被保险人对受益人作出某种承诺的情况下,这种变更可能损害原受益人的利益。对这种利益损害的救济办法有三种:追究被保险人的违约责任、对保险人课以通知义务和责任、建立不可撤销受益人制度。其中,建立不可撤销受益人制度最具优势。我国应采取"声明放弃主义"建立不可撤销受益人制度,不可撤销受益人的受益权对被保险人的保单贷款、解除保险合同、转让保险合同利益等构成限制。受益人杀害被保险人致死者丧失受益权。在不可撤销受益人先于或者与被保险人同时死亡的情形下,保险金归于该受益人的遗产。In accordance with the Insurance Law of China,the insured has the absolute right to change the beneficiary. However,where the insured has a commitment to the beneficiary,such a change may impair the interests of the primitive beneficiary. There are three remedies for the damages of this kind of benefits,ie liability of contractual breach assumed by the insured,obligation and responsibility of notification born by the insurer,and establishment of the irrevocable beneficiary system. The third remedy is the most advantageous way. China should adopt the principle of ＂declaring to give up＂and establish an irrevocable beneficiary system. The beneficial rights of the beneficiary will constitute limitation on the policy loan of the insured,on cancellation of the insurance contract,and on assignment of the insurance contract interests.

关 键 词：不可撤销 受益人 权利限制 保险金归属 

分 类 号：D922.284[政治法律—经济法学]