总括意外伤害保险中的保险利益问题  

The Issue of Insurable Interest in the Blanket Accident Insurance

作　　者：韩长印[1] Han Changyin

机构地区：[1]上海交通大学凯原法学院

出　　处：《政法论坛》2023年第5期99-110,共12页Tribune of Political Science and Law

基　　金：国家社科基金后期资助项目“保险法上道德风险控制机制研究”(20FFXB030)的阶段性成果。

摘　　要：在涉及众多不特定被保险人的意外伤害保险中,如果被保险人发生保险事故时的整体身份已经确定但具体信息尚未确定,是否必须遵从被保险人同意的保险利益原则对合同的成立与效力作出判定,是一个实务中存在争议、立法上亟需反思的问题。总括意外保险的道德危险管理可以在保险利益原则之外另觅他途,因而可以放弃此类险种对保险利益原则的硬性要求,以更好发挥保险制度所蕴含的利他功能。被保险人对他人为自己投保意外伤害保险的同意与否对总括意外伤害险的合同效力不应产生实质影响,唯此才能为总括意外伤害保险的创新和推广留存合理且广阔的发展空间。In accident insurance which involves multiple unspecified insured individuals,if the insured accident occurs when the overall identity of the insured is discerned while the specific information has not yet been determined,whether the validity of the contract should be decided by the principle of insurable interest which requires agreement of the insured is a controversial issue in practice and needs to be urgently reconsidered in legislation.This paper argues that the moral hazard management of the blanket accident insurance can be found another solution in addition to the insurable interest,so it is possible to abandon the rigid requirements of the insurance interest principle that applied to such insurance types,and to better exert the altruistic function contained in the insurance system.The consent of the insured shall not have a substantial impact on the contractual validity of the blanket accident insurance and shall only be used as a reference when determining the beneficiary.Only in this way can the blanket accident insurance find itself a reasonable and broad space for any innovation and promotion.

关 键 词：总括保险 意外伤害保险 保险利益 道德危险 利他保险 

分 类 号：D922.284[政治法律—经济法学]