论死亡保险中重复保险行为的适用规则——以他保条款的运用为视角  

A Study on the Applicable Rules of Overlapping Life Insurance——From the Perspective of the Application of Other Insurance Clauses

作　　者：陈颖 Chen Ying(Department of Humanities,Jiaxing Nanhu University,Jiaxing,Zhejiang 314001)

机构地区：[1]嘉兴南湖学院人文系,浙江嘉兴314001

出　　处：《嘉兴学院学报》2021年第5期121-127,共7页Journal of Jiaxing University

摘　　要：由重复投保死亡保险而引发的道德危险案件,反映出保险实务和立法缺乏全面有效的危险管理手段和规制机制。探讨死亡保险中重复保险行为的适用规则,基于重复投保死亡险已具备“同一保险标的、同一保险利益、同一保险事故、多个保险合同”之重复保险特征,建议借鉴美国保险法上他保条款机制,融合重复保险规制方法,通过保险行业制定死亡保险合同标准化他保条款,统一约定存在重复保险时投保人的告知义务及保险人责任承担规则,并由保险监管机构设置死亡保险金累计最高限额,配合立法上明确界定他保条款及其适用、调整限缩保险人责任法定豁免情形等多方面危险管理和规制手段,对于有效防止恶意重复投保死亡保险,以减轻、防范道德危险,有重要现实意义。The frequent occurrence of moral hazard cases related to overlapping life insurance reflects the lack of comprehensive and effective risk management methods and regulation mechanism in insurance practice and legislation.This paper discusses the applicable rules of overlapping life insurance.Because overlapping life insurance has the characteristic of overlapping insurance that is“multiple insurance contracts covering the same subject,interest and insured event”,we suggest learning from the system of other insurance clauses in American insurance law:to integrate regulation methods of overlapping insurance,to make standardized other insurance clauses of life insurance contract through the insurance industry,to reach consensus on policyholder's obligation to inform the insurer of overlapping insurance and the rules of the insurer's assuming duties,and to set the accumulative maximum limit of life insurance by the insurance regulatory agency with the cooperation of legislation to define other insurance clauses and their application and to adjust multiple risk management and regulation methods that limit the legal exemption of the liability of the insurer,etc.Such measures are of great practical significance for effective avoidance of malicious overlapping insurance and for reducing and preventing moral hazard.

关 键 词：死亡保险 重复投保 重复保险规则 他保条款 

分 类 号：D922.284[政治法律—经济法学]