“爱情保险”计划争议问题之解释

An Explanation of the Controversial Issues of the"Love Insurance"Plan

“爱情保险”计划纠纷主要有两类:一类是“指定心上人”是否属于被保险人的纠纷,另一类是夫妻一方死亡是否属于“保持婚姻关系”之情形的纠纷。对于前一类纠纷,因“被保险人条款”并非格式条款,解释上应当采用《民法典》关于意思表示的解释方法,解释结果应当是:“指定心上人”不是保险合同的“被保险人”,即使指定心上人死亡,亦不属保险事故,保险人不应予以赔付。对于后一类纠纷,因“保持婚姻关系”条款属于格式条款,首先应当适用通常理解的解释方法,解释结果是:在“爱情保险”计划的语境下,即使夫妻一方死亡,仍应将此种情形认定为“保持婚姻关系”的情形,符合保险合同的理赔条件,保险人应当赔付。

There are two main types of love insurance disputes:one is whether the"designated sweetheart"belongs to the insured,and the other is whether the death of one spouse belongs to the situation of"maintaining the marriage relationship".For the former type of disputes,because the"insured clause"is not a standard clause,the interpretation method should be adopted in the"Civil Code"on the expression of intention.Even if the designated sweetheart dies,it is not an insured accident,and the insurer should not pay.For the latter type of disputes,because the"maintaining marriage relationship"clause is a standard clause,the commonly understood interpretation method should be applied first.The result of the interpretation is:in the context of love insurance,even if one of the husband and wife dies,this situation should still be recognized as such.In the case of"maintaining the marriage relationship",the insurer shall pay the compensation in accordance with the insurance contract’s claims conditions.