受益人道德风险的法律规制

Regularization Moral Hazard of Beneficiary by Law

在以死亡为给付保险金条件的人身保险合同中 ,受益人的道德风险表现多样 ,成因复杂 ,危害严重。作为人身保险的副作用 ,受益人的道德风险虽然不能完全消除 ,但可以采取一系列法律措施对其进行有效的规制 ,防范和减少道德风险的发生 ,在保险危险的保障和道德风险预防的激励之间寻求平衡 ,兼顾投保人、被保险人。

In the moral hazard of insurance beneficiary contract that encompasses death elements, moral hazard of insurance beneficiary is various,which cause is complicated and result is serious.As the side effect of life insurance,moral hazard of insurance beneficiary can't be eliminated completely,although it will be regulated by a series of legal rules to keep a lookout on moral hazard.To find the balance between safeguarding insurance risk and preventing moral hazard will benefit the applicant, the insured, insurance beneficiary and insurance company.