论受益人与被保险人同时死亡时受益权的确定

The Establishment of Beneficiary Right on Simultaneous Death of the Insured and the Beneficiary

当受益人与被保险人在同一事故中死亡时,死亡的先后顺序对保险受益权的确定具有决定性的作用。若受益人与被保险人在同一事件中死亡而不能确定死亡先后顺序时,不应简单适用我国现行继承法上的共同死亡推定规则。我国现行《保险法》对此并没有明文规定。本文针对此问题,通过具体分析受益人与被保险人的法律地位及其权利和受益权与继承权之间的关系,讨论受益人与被保险人在同一事件中死亡而不能确定先后时的死亡推定规则及其法律精神。

When the insured and the beneficiary die in the same accident, the order of their death is definitive of the beneficiary right. In case that their order of death cannot be ascertained, we cannot simply apply the putative rule of mutual death in the current Inheritance Law of China. The current ＂Insurance Law of China＂ doesn＇ t prescribe on this situation. This paper discusses the putative rule and legal spirit of death of the insured and the beneficiary when their order of death in the same accident cannot be ascertained by analyzing in great depth the legal status and rights of the beneficiary and the insured and the relationship between the beneficiary right and the inheritance right.