从商业医疗保险纠纷案看保险合同的射幸性

Looking at the Aleatory Nature of Insurance Contracts from Cornmercial Medical Insurance Disputes

医疗体制改革使得居民需要承担部分医疗费用，从而使得具有分散这部分医疗费用风险功能的商业医疗保险日益受到人们的青睐。随之而来的是，由于对保险合同性质的模糊认识，所造成的保险纠纷逐步增多。本文在对一个典型案例进行分析的基础上，揭示了对保险合同射辛性的理解存在分歧是纠纷发生的深层次原因，并通过保险合同射幸性进行法理分析，以期为解决此类问题、促进商业医疗保险的顺利发展提供支持。

The medical system reform requires Chinese people shoulder some medical expenses, which leads to growing popularity of commercial medical insurance capable of dispersing medical expense risks. The lack of understanding of the nature of insurance contracts results in more and more medical insurance disputes. Based on the analysis of a typical ease, this article concludes that the root of these disputes is people＇s different understandings of the aleatory nature of insurance contracts. With a legal analysis of the insurance contract＇s aleatory, the article intends to suggest solutions for these disputes and promote medical insurance＇s rapid development.