论人身保险中的道德风险

虽然保险合同的双方都可能面临利益失衡的风险,但相形之下,投保人一方因利益失衡而导致心态失衡的可能性要大得多,加之巨额保险金的强烈诱惑,投保人和保险关系人就可能抛开道义和良知的约束,在主观上产生一种故意或恶意,最终铤而走险,不择手段地促就保险事故的发生,这样就引发了道德风险。

The Moral Risk of Life Insurance

Although both parties to the insurance contract might encounter the risk of interest disequilibrium, the insured or applicant for insurance might be more disequilibrated psychologically on account of the disequilibrium in interests. In addition, the grasping greed of an immense sum of insurance money may also lure the policy holder and insurance - related person, may intentionally or maliciously in their subjective mind be at all risks to cause insurance accident regardless of the restriction of morality and justice as a result that the moral risk might happen.