论我国《保险法》第53条对团体人身保险之适用——兼论我国《保险法》第53条之修订

Talk about Article 53 of the P.R.C.Insurance Law Applies to Group Insurance

团体人身保险在以团体之优势力量提供其成员福利与保障,其重要性于我国及欧美等保险先进国家中正与日俱增。然而我国现行《保险法》并未针对团体人身保险作出区别于一般个人人身保险的特殊规定。考虑到团体保险是以团体成员利益而存在之保险契约,实际上与以个人为对象之个人人身保险有所差异,因此以个人保险之规定为团体保险契约运作之规范,实有未当。因此,有必要对我国《保险法》第53条进行解构与重构,为团体人身保险之保险利益寻找到合理的法理依据,完善我国人身保险之保险利益的立法,促进团体人身保险在我国的进一步发展。

The importance of group insurance which provides its members with welfare and guarantee is increasing with each passing day in our country and the insurance advanced countries such as Europe and America etc.But the P.R.C.Insurance Law does not have special provisions that only apply to group insurance. Given that group insurance is different from personal insurance, it’s inappropriate to apply the provisions of personal insurance to group insurance. So it’s necessary to revise the Article 53 of the P.R.C. Insurance Law in order to promote the further development of group insurance in our country.