论第三人代付保险费

The Third Person Paying the Premium on the Applicant's Behalf

保险费的交付义务可否由第三人代为履行是一个颇值得探讨的问题。笔者分别从财产保险合同与人身保险合同两方面对这一问题进行了论述。在财产保险合同中,保险费的交付在性质上与一般债务相同,所以由任意第三人代付保险费也应为事理所允许;在人身保险合同中,因其以保障被保险人的生命、安全为主要目的,为防止主观危险,应该认为其保险费的交付是具有特殊性质的债务,不得由任意第三人代付。

It is controversial whether the obligation of paying the premium could be performed by the third person. I have approached this question from two aspects： the property insurance contract and the life insurance contract. In the contract of property insurance, the debt of premium is the same as general debts in nature, so the third person should be allowed to pay the premium on the applicant＇ s behalf. As to the life insurance, in order to prevent subjective danger, the premium should be considered a debt with special nature and a debt can not be paid by a third person.