论死亡保险金去遗产化的正当性  

On the legitimacy of “De-heritage” of Death Benefits

作　　者：周鸿基 郑佳佳 Zhou Hongji;Zheng Jiajia(School of law,Master of Laws Education Center,Huaqiao University,Fujian Quanzhou 362000)

机构地区：[1]华侨大学法学院

出　　处：《北方经贸》2019年第6期59-62,共4页Northern Economy and Trade

基　　金：华侨大学研究生科研创新能力培育计划资助项目

摘　　要：根据《中华人民共和国保险法》第四十二条的规定,以死亡为给付保险金条件的人身保险合同,在无法确定受益人之时,将死亡保险金视为被保险人的遗产,依据继承法由其法定继承人继承,此为死亡保险金遗产化的立法模式。为了解决受益人缺失而将死亡保险金进行遗产化处理,不仅违背被保险人的真意表示,并且混淆了保险金请求权和继承权的界限,阻碍了死亡保险合同功能的实现。因此,在受益人缺失的情况下,不妨将被保险人的继承人拟制为新的受益人,将死亡保险金去遗产化,明晰死亡保险金的性质,避免其优先清偿债务与赋税,最大程度地实现死亡保险合同的目的与价值。According to the provisions of Article 42 of the Insurance Law of the People's Republic of China,for a personal insurance contract with death as the condition for payment of the insurance benefits,when the beneficiary cannot be determined,the death insurance benefits shall be regarded as the heritage of the insured and shall be inherited by its legal heir according to the law of succession,which is the legislative mode of inheritance of the death insurance benefits.In order to solve the lack of beneficiaries,the inheritance of death insurance benefits is not only against the true intention of the insured,but also confuses the boundaries between claims and inheritance rights and hinders the realization of the function of death insurance contracts.Therefore,in the absence of beneficiaries,it is advisable to draw up the heir of the insured as a new beneficiary,de-bequeath the death insurance fund,clarify the nature of the death insurance fund,avoid giving priority to paying off debts and taxes,and realize the purpose and value of the death insurance contract to the greatest extent.

关 键 词：死亡保险金 去遗产化 受益人 保险金请求权 

分 类 号：D922.284[政治法律—经济法学]