寿险公司破产后保单持有人的权益保护

Protection of policyholder interests after life insurer′s bankruptcy

寿险公司的破产会导致一系列现实和潜在的经济损失,为了消除因此引发的负面影响和潜在风险,新《保险法》通过保单转让等一系列制度安排对寿险合同的保单持有人提供了特别的权益保护。保单持有人权益保护需要一整套制度安排,而《保险法》在这一领域的规定存在不足,本文对此进行了分析,并针对寿险公司破产后保单持有人可能选择的具体保护方式及后续的保单救济制度进行了初步探讨。

A life insurer＇s bankruptcy will give rise to a series of immediate and potential economic losses. In order to dispel with such negative consequence and potential risks, the new Insurance Law emphasizes protection of poli- cyholder interests through a series of policy arrangements such as policy transfer. However, even so, the Insurance Law is still inadequate in some aspects. This paper analyzed on this scenario and tentatively explored on possible specific protection selections by policyholders and subsequent policy relief system in the event of a life insurer bank- ruptcy.