特定身份受益人保险金受领主体的确定

How to Ascertain Insurance Beneficiary in An Extreme Situation

在以特定身份为受益人的人身保险合同中 ,特别是存在有特定身份人更替的情况下 ,应坚持以保险事故发生时作为时间界定来具体确定保单上所载明的特定身份之受益人 ,并以此受益人作为保险金的受领主体 ,同时在保险金给付中排除继承制度的直接适用。

In a specified-identity-beneficiary insurance policy, especially when the beneficiary has been changed, the beneficiary should be ascertained according to the exact time of the happening of the accident and the direct application of the inheritance system should be excluded when giving the insurance.