重大疫情下保险公司赠送保险法律问题研究

Research on Legal Issues of Insurance Companies Gifting Insurance under Major Epidemics

赠送保险已成为重大疫情下保险公司常见的赠送形式,然而目前面临诸多法理与适法困境:是否遵循对价平衡原则,赠送标的为保险费抑或保险金额,是否违背保险利益原则等。通过深入分析赠送保险相关基础理论,明确了赠送保险实际未违背对价平衡原则,赠送保险之赠送标的实为保险金额。从道德风险的视角出发提出废除保险利益原则的建议,以提高紧急情况下赠送保险的承保效率,更好地保护被保险人的利益。

The gifting insurance has become a common gift form for insurance companies under major epidemics.However,they are currenly faced many legal principles and legal difficulties:whether to follow the principle of balance of consideration,whether the subject of the gift is insurance premium or the amount of insurance,whether it violates the principle of insurance interests,etc.Through in-depth analysis of the relevant basic theories of the gift insurance,it is clarified that the gift insurance does not actually violate the principle of balance of consideration,and the gift subject is actually the insurance amount.From the perspective of moral hazard,a proposal to abolish the principle of insurance benefits is proposed to improve the underwriting efficiency of donated insurance in emergency situations and better protect the interests of the insured.