对禁止无民事行为能力人参保死亡保险的反思与重塑——兼评保险法第33条

On the capacity for civil conduct prohibited by the insured person died as the payment conditions of reflection and reshaping of life insurance——Review of China's Insurance Law Article 33

我国保险法第33条禁止投保人对无民事行为能力人投保以死亡为给付保险金条件的人身保险之规定,存在对无民事行为能力人实质保护不利的缺陷。因此,有必要对该禁令予以适当调整或解除,并辅之以特别限制条款,以有效防范道德风险的同时,补救该禁令对无民事行为能力人保护的不足。

33rd of China＇s Insurance Law Article prohibited the insured on insured persons to death as the payment conditions of insurance of the foregoing,there is no person real protection against defects. Therefore,it is necessary to the proper adjustment or discharge,and complemented by the special limitation,to prevent moral hazard,remedy the ban on without human protection.