保险受益人制度若干问题研究

保险法上之受益权,是指基于保险契约而享有保险金请求权的人。保险受益人制度是保险法中的重要制度之一。我国目前的保险法所确定的受益人制度仅适用于人身保险合同,而不适用于财产保险,即否认财产保险合同中受益人的存在,这样的规定必然带来困惑。同时,我国保险法对保险受益人制度的规定也存在诸多不够清晰甚至相互矛盾的地方,以至长期以来,在学界、保险实务及司法实践中就上述问题引发诸多争议,实有理论澄清和立法完善之必要。

Study on the Issue of the Insurance Beneficiary System

The insurance beneficiary in the insurance law refers to the person who has the claim to the premium in accordance with the contract,which is a very important system.However,the principle stimulated in the current insurance law is only applied to the life insurance rather than property insurance,i.e.,defy the beneficiary in the property insurance contract,which inevitably causes the confusion.At the same time,there are ambiguous,even conflicting provisions in the valid law,which result in disputes among the...