人身保险融合化及其警示

Integration of Life Insurance and its Warnings

传统的人身保险包括人寿保险、健康保险和意外伤害保险,这种划分是以所承保的抽象性或概括性风险的不同为标准的,但实践中许多保险产品均突破了这种划分标准,出现不同人身保险之间保险内容或特点相互融合的趋势。本文对人身保险融合化的具体表现进行了详细列举,对融合化现象的本质和产生原因进行了分析,阐述了融合化现象对保险机构和监管部门的警示。

The traditional personal insurance includes life insurance, health insurance and accident insurance. This division is based on the difference of abstracts or general risks, but in practice many of the insurance products breakthrough this standards, appear the trend that content or characteristic fuses mutually between different personal insurance. The main body of the paper shows the specific performance of the integration detailed, and analyzes the essence of the phenomenon of integration and its causes, and at last, expounds the warnings on the insurance agencies and regulatory authorities.