论人身保险之受益权的丧失:以新旧《保险法》对比为视角

On the Loss of Beneficiary Power of Life Insurance:A Comparison Between Previous and New“Insurance Law”

人身保险受益权的问题历来多有争议。2009年《保险法》的修改对该问题做出详细回应,而最主要的变化主要集中在第44条和第45条上。但是新修订的《保险法》在应用过程中仍然存在投保人故意杀害被保险人时,保险人可否免责、受益人丧失受益资格的情形、保险人向其他受益人支付保险合同约定的保险金数量等一系列问题。

Life insurance beneficiary problems have always been more controversial. In 2009, ＂Insur- ance Law＂ made a detailed response on the issue, but the most important changes are mainly concentrated on the Article 44 and 45. But the newly revised ＂Insurance Law＂ still exist series of problems in the appli- cation process, for example： When the policyholders deliberately murdered the insurers, the insurers whether can be disclaimed; what situations beneficiaries lose benefit eligibility; and whether to pay the in- surance contract to other insurance.