| 对禁止无民事行为能力人参保死亡保险的反思与重塑——兼评保险法第33条 |
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| 引用本文： | 宋修卫.对禁止无民事行为能力人参保死亡保险的反思与重塑——兼评保险法第33条[J].宁波广播电视大学学报,2010,8(4):52-55. |
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| 作者姓名： | 宋修卫 |
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| 作者单位： | 西南政法大学民商法学院,重庆400031 |
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| 摘 要： | 我国保险法第33条禁止投保人对无民事行为能力人投保以死亡为给付保险金条件的人身保险之规定,存在对无民事行为能力人实质保护不利的缺陷。因此,有必要对该禁令予以适当调整或解除,并辅之以特别限制条款,以有效防范道德风险的同时,补救该禁令对无民事行为能力人保护的不足。
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| 关 键 词： | 禁止性规定 无民事行为能力人 道德风险 |
Reflections and Reshaping on the Prohibition on Death Insurance for People Incapable of Civil Acts——Review of China's Insurance Law Article 33 |
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| SONG Xiu-wei.Reflections and Reshaping on the Prohibition on Death Insurance for People Incapable of Civil Acts——Review of China's Insurance Law Article 33[J].Journal of Ningbo Radio & TV University,2010,8(4):52-55. |
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| Authors: | SONG Xiu-wei |
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| Institution: | SONG Xiu-wei (Civil and Commercial Law School of Southwest University of Political and Law,Chongqing 400031,China) |
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| Abstract: | Article 33 of Insurance Law of the People＇s Republic of China formulates that the insurant is not allowed to take out the whole life policies for people incapable of civil acts,which are disadvantageous to people incapable of civil acts.Therefore, it is necessary to adjust or remove the prohibition and complement it with special limitations to guard against moral hazard and remedy the defect of the Article on the protection of people incapable of civil acts. |
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| Keywords: | prohibits people incapable of civil acts moral hazard |
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