论团体保险中被保险人之合同转换权

The Conversion Privilege of the Insured in Group Insurance

团体保险中被保险人的合同转换权,系连接团体保险与个人保险的一项独特权利。该项权利的功能及正当性,乃在于为被保险人提供持续性保障,弥补团体保险保障暂时性之缺陷,助力团体保险基本功能的实现,提升民生保障水平。从性质上而言,团体保险中的被保险人合同转换权具有形成权的特征,是一项合同更改权。为了保障该项权利的正当行使,法律除了应当提供明确的权利行使规则之外,还应当在兼顾逆选择防范的基础上,更加注重权利创设意旨的实现,将逆选择防范的程度限制在合理范围之内。

The conversion privilege of the insured in group insurance is a unique right connecting group insurance and individual insurance. Providing sustainable insurance for the insured, making up for the defect of group insurance that can only provide for temporary insurance, helping group insurance to achieve its basic functions and improving people＇s well- being,are the functions and legitimacy of the conversion privilege. In nature ,the conversion privilege of the insured in group insurance has the features of the right of formation, which is a right of novation. In order to ensure this right is exercised properly, the law should not only provide clear rules for enforcing this right, but also pay more attention to the realization of the purpose of creating this privilege based on the consideration of preventing adverse selection, and ultimately control the degree of preventing adverse selection within a reasonable range.