人身保险受益人指定规则研究

发布时间：2018-03-29 08:00

本文选题：人身保险受益人　切入点：保险受益人指定　出处：《华侨大学》2017年硕士论文

【摘要】：人身保险受益人是指,投保人或被保险人和保险人在订立保险契约过程中所约定的享有保险金请求权的受益主体,是保险契约中提前明确规定的保险事故发生后的最终得利者。而受益人的指定规则是投保人或被保险人确定何人享有保险金请求权的法定规则。我国《保险法》对于受益人的指定规则的规定有着从粗到细逐渐完善之过程。例如指定受益人的限定规则、关于受益人指定不明致保险金遗产化的规定、关于受益权指定顺序和份额的规定都不断得到完善和进步。2015年11月25日,最高人民法院公告公布了《关于适用中华人民共和国保险法若干问题的解释(三)》的规定,明确了部分人身保险受益人指定规则争议问题。即便如此,现有的规定并不是完美和详尽的,折中指定模式合理性存疑;受益权指定顺序、份额分配的规定忽视被保险人真意;现行“具名指定”兼“类名指定”变更规则欠妥;遗嘱指定效力存疑;保险金遗产化缺陷明显;法定受益人制度急需构建等问题均争议颇多、没有定数。针对上述问题,有必要详细的从应然或实然的层面去分析,找出关键争议点之所在,并提出如下建议去试图解决问题,进而完善受益人指定规则:适用被保险人指定模式指定受益人;对于受益份额、受益顺序分配的规定须明确被保险人真意;受益人一栏仅填写“身份”需要统一处理;“具名指定”兼“类名指定”的变更以“具名指定”为准;肯定遗嘱指定受益人方式的效力;构建法定受益人制度
[Abstract]:The beneficiary of personal insurance refers to the beneficiary subject of the right of claim for insurance, which is agreed upon by the insured or the insured and the insurer in the process of concluding the insurance contract, The designated rule of beneficiary is the legal rule that policy-holder or insurant determines who has the right to claim insurance gold. Our country (insurance law). The rules governing the designation of beneficiaries have evolved from coarse to fine. For example, the qualification rules for designated beneficiaries, The provisions on the legalization of unspecified insurance contributions from the designation of beneficiaries and on the order and share of designation of beneficiary rights are constantly being refined and advanced... on 25 November 2015, The Supreme people's Court published in a public announcement the provisions of the interpretation (3) on the Application of the Insurance Law of the people's Republic of China, clarifying the dispute over the rules governing the designation of some of the beneficiaries of personal insurance. The existing provisions are not perfect and detailed, the rationality of the eclectic designation mode is doubtful; the order of beneficial right assignment, the allocation of shares ignore the true meaning of the insured; the current "named designation" and "class name designation" change rules are not correct; The validity of the will is doubtful; the defects in the inheritance of insurance funds are obvious; the legal beneficiary system is badly needed to be constructed, and there is no fixed number. In view of the above problems, it is necessary to analyze them in detail from the perspective of what should be or should be. Find out where the key points of contention lie, and make the following suggestions to try to solve the problem and improve the beneficiary designation rules: apply the insurant designation model to designate the beneficiary; for the benefit share, The distribution of benefits order should clarify the true meaning of the insured; only fill in the "identity" in the column of beneficiary should be handled uniformly; the change of "named designation" and "class name assignment" shall be taken as the criterion of "named designation"; To confirm the validity of the method of appointing beneficiary by will; to construct the system of legal beneficiary
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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