摘要
在被保险人遭受保险事故仍生存的情况下,其关于受益人指定的意思表示应当予以尊重,法律不应强制剥夺故意制造保险事故之受益人的受益权。于受益人兼为投保人时,除非受益人于订立保险合同时便有制造保险事故之故意,否则保险人仍应赔付,不过该受益人不得领取保险金。于保单中存在多个受益人,其中一人故意制造保险事故时,应由法官根据被保险人最初指定受益人之意图、受益人指定之状况、事故发生时法定继承人之状况、受益人指定后发生的其他情况等基础事实,推定被保险人处分丧权受益人之保险金份额的意图,进而决定该保险金份额之归属。
In the case of an insured person who survives an insurance accident, the insured' s stated intention for appointing the beneficiary should be respected, and the law should not forcibly deprive the beneficial rights of bene- ficiaries who deliberately cause the insurance accident. When the beneficiary is the same as the insured, unless the beneficiary has an intention to cause an insurance accident when making an insurance contract, the insurer shall be responsible for the insurance accident. However, the beneficiary shall not get the insurance benefit. When there are multiple beneficiaries in the policy and one of them willfully causes an insurance accident, according to the intention of the insured person to designate the beneficiary, the status of the beneficiaries, the condition of the legal successor at the time of the accident, and other circumstances after the appointment of the beneficiary, the judge shall presume the intention of the insured to dispose of the forfeited beneficiary's insurance benefit share and determine the attribu- tion of the insurance benefit share.
出处
《保险研究》
CSSCI
北大核心
2017年第4期118-127,共10页
Insurance Studies
基金
作者主持的国家社科基金项目"保险法司法解释及实施问题研究"(项目编号:11CFX019)的阶段性研究成果
关键词
受益人
故意
生存
矛盾
事实推定
beneficiary
deliberately
survival
contradiction
presumption of fact