论精神障碍者监护人责任险的构建

On the Construction of the Insurance for Guardian of Mental disorder

在我国建立精神障碍者监护人责任险具有一定的必要性和合理性。通过对商业保险模式与政策性保险模式的比较,选择政策性保险模式更有利于实现精神障碍者监护人责任险设立之目的,这一保险模式在实践中也为部分地区所采纳。但是由于当前推广的保险制度中政府居于绝对主导地位,所以保险制度设计中潜在着监护人故意或放任损害发生的道德风险,而由监护人进行投保,规定保险公司在特殊情况下的追偿权是解决这一问题的有效措施。

Formulating insurance for guardians of mental disorders in our country has certain necessity and rationality. Based on the comparison of commercial insurance mode and policy-related insurance mode,choosing the policy-related insurance model is more advantageous to achieve the purpose of formulating insurance for guardians of mental disorders,and the policy-related insurance model is already adopted in some places. Because the government dominates the current insurance,there is the risk of letting the damage occurred intentionally by the guardians in the insurance design. However,guardians buying the insurance and the company claiming compensation is an effect way to solve the above problem.