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    政大機構典藏 > 法學院 > 法律學系 > 期刊論文 >  Item 140.119/121564
    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/121564


    Title: 為未滿15歲之未成年人投保死亡保險之立法辯證
    Authors: 張冠群
    Contributors: 法律系
    Keywords: 未成年人投保;保險法第107條
    Date: 2016-11
    Issue Date: 2018-12-26 17:07:21 (UTC+8)
    Abstract: 民國(下同) 105年2月6日發生芮氏規模6.4之美濃地震,罹難者中,三分之一為未滿12歲之兒童。縱罹難兒童之父母曾為其投保, 惟依保險法第107條規定,以未滿15歲之未成年人為被保險人訂立之人壽保險契約,其死亡給付於被保險人滿15歲之日起發生效力;被保險人滿15歲前死亡者,保險人得加計利息退還所繳保險費,或返還投資型保險專設帳簿之帳戶價值。此致以未滿15歲之罹難者為被保險人之保險契約受益人,無法請求保險金,僅得請求退還保費。有立委乃質疑,該條立法目的原為避免父母為兒童投保後,引發詐領保險金之「道德風險」案件,然此亦導致因遭遇天災死亡;未滿15歲之被保險人而無法支領死亡給付之憾事, 並提案修法,針對天然災害所致未滿15歲之被保險人死亡,應給付死亡保險金,並建議溯及至105年1月生效1。
    Relation: 月旦裁判時報, No.53,pp.239-56
    Data Type: article
    Appears in Collections:[法律學系] 期刊論文

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