总括意外伤害保险的法律结构——以共享单车保险的个案分析为例  

The Legal Structure of the Blanket Accident Insurance:A Case Study of the Bike-sharing Insurance

作　　者：李飞 LI Fei(School of Law,Nankai University,Tianjin 300350,China)

机构地区：[1]南开大学法学院,天津300350

出　　处：《北京联合大学学报（人文社会科学版）》2023年第4期95-104,共10页Journal of Beijing Union University(Humanities and Social Sciences)

基　　金：2020年度天津市哲学社会科学规划年度重点项目“重大疫情防控中的商法调适”(项目编号:TJFX20-002);南开大学亚洲研究中心资助项目“以金融消费者保护为指向的公平待客监管机制研究”(项目编号:AS2318)。

摘　　要：总括意外伤害保险的法理阐释及其法律结构可借助共享单车保险的个案研究来展开。依保险人的承保方式而言,共享单车意外伤害保险将传统上总括保险的范围从财产保险拓展至人身保险,且有其正当性基础。鉴于意外伤害险较之责任险的优势,为激励投保人为被保险人购买总括意外伤害险,应允许投保人在保险合同中附加以被保险人向其求偿为成就标准的解除条件。同时,共享单车保险既然是总括意外伤害保险,那就只存在一个保险合同,用户骑行数据的传输成功应视为针对该合同履行所附加的条件而非附生效条件。作为一种特殊类型的团体保险,总括意外伤害保险合同不能以保险利益原则为特别生效要件。The jurisprudential interpretation of blanket accident insurance and its legal structure can be developed through the case study of bike-sharing insurance.In terms of the insurer’s underwriting approach,bicycle sharing accident insurance extends the scope of traditional blanket insurance from property insurance to personal insurance and has its justification basis.In view of the advantages of accident insurance over liability insurance,in order to provide an incentive for policyholders purchase blanket accident insurance for the insured,the insurance contract should be allowed to attach a dissolving condition.At the same time,since the shared bicycle insurance is a blanket accident insurance,there is only one insurance contract,and the successful transmission of the user’s riding data should be considered as a condition attached to the performance of that contract rather than a condition attached to its effectiveness.As a special type of group insurance,the blanket accident insurance contract cannot be subject to the principle of insurance interest as a special element of effectiveness.

关 键 词：总括意外伤害保险 共享单车保险 附解除条件 团体保险 保险利益 

分 类 号：D922.284[政治法律—经济法学]