英国保险法中人身保险利益制度改革研究

A Study of the Reform of Life-Related Insurable Interest Principle in British Insurance Law

英国于2018年发布了仅适用于人身保险的《保险利益法案》。该保险利益法案既包括对传统人身保险利益规则的重新审查,也涉及对未婚同居者、信托管理人、团体保险等保险利益的确认。此次英国保险法改革以人身保险利益为重点,在形式和内容上都进行了与时俱进的大胆创新,采取非穷尽式清单的模式可以保持人身保险利益原则的灵活性和相对稳定性。随着未来新型人身保险产品的开发,这一模式在人身保险领域仍适用保险利益原则的国家将具有一定优势,为其他国家提供了解决问题的可能路径。

The UK released the updated Insurable Interest Bill in 2018,which is only applicable to life-related insurance,to solicit opinions from the public.The Insurable Interest Bill not only includes the check of the traditional life insurable interest rules,but also confirms the rights of the cohabitant,trustee and administrator of a group insurance.The reform focuses on the life-related insurable interest,and makes bold innovations both in the form and content that keep pace with the times.In particular,the adoption of a non-exhaustive list can maintain both the flexibility and relative stability of the life-related insurable interest principle.With the development of new life insurance products in the future,this model will have certain advantages in countries where the principle is still applied in the field of life-related insurance,and provide other countries with a possible way to solve problems in the area.