人身商业险保险金请求权转让之效力  

Effect of Transfer of Claim for Personal Commercial Insurance

作　　者：周慧[1] ZHOU Hui(Divison of Logistics Management and Service,Kunming Metallurgy College, Kunming 650033,China)

机构地区：[1]昆明冶金高等专科学校后勤服务中心,云南昆明650033

出　　处：《昆明冶金高等专科学校学报》2021年第6期102-106,共5页Journal of Kunming Metallurgy College

摘　　要：团体意外伤害险即人身商业险保险金请求权转让是否有效,目前我国法律并未作出明确规定。审判实践中,法院因适用不同的法条,对同类案件时有截然相反的审判结果。讨论人身商业保险金请求权转让效力问题,应从人身商业保险的价值、功能,保险金请求权的法律性质加以分析,司法实践中还应结合保险金请求权转让的对象、条件以及转让人意思表示等方面综合考量判定。So far,there is no clear provision for the legal effect of transferring personal commercial insurance claim to personal accident insurance in a group.The trial results vary greatly among some similar cases in terms of different laws.We believe that the legal effect of the transfer of personal commercial insurance claim should be analyzed from the value and function of insurance,and the features of the claim rights for insurance benefits.The judicial practice should also take into consider the subjects,conditions and intention of the transferor.

关 键 词：人身商业保险 保险金请求权 转让效力 

分 类 号：D922.5[政治法律—民商法学]