未成年人死亡保险问题初探

Exploration on the Death Insurance of Juveniles

未成年死亡保险是人身保险险种,一定程度上满足父母对未成年子女感情上的需要。未成年人死亡保险存在问题:保险法第五十三条规定保险利益范围过于狭窄,保险法第五十六条未成年所面临的道德风险骤增,加大未成年人风险。未成年死亡保险的应对策略有:父母双方必须同时书面同意才能成立保险合同;父母双亡的情况下,可以由祖父母、外祖父母为其投死亡保险;严格限制未成年人死亡赔付金额。

The juveniles＇ insurance against death is one kind of personal insurances;to some extent,it meets parents＇ affection to their minor children.There are some problems in the death insurance of juveniles： the extent of insurance interest stipulated in Clause 35 of the Insurance Law is rather too narrow;the ethic risks faced by juveniles stated in Clause 56 of the Insurance Law sharply surge,increasing juveniles＇ risks.Strategies for coping juveniles＇ death insurance include： the insurance contract can be set up per interim both the parents provide written consent;under the circumstance that the juvenile＇s parents are dead,the death insurance can be insured by the grandparents of the juvenile;the death compensation amount of juveniles should be under strict control.