论文部分内容阅读
一、《保险法》第64条的合理性 《保险法》第64条规定:被保险人死亡后,遇有下列情形之一的,保险金作为被保险人的遗产由保险人向被保险人的继承人履行给付保险金的义务:(一)没有指定受益人的;(二)受益人先于被保险人死亡,没有其他受益人的;(三)受益人依法丧失受益权或者放弃受益权,没有其他受益人的。该条从保护被保险人的角度出发,规定在出现上述三种情况时,将保险金作为被保险人的遗产,由其继承人继承。这一规定无论在理论上,还是在实践上,都显示了充分的合理性。试举例论
I. The rationality of Article 64 of the Insurance Law Article 64 of the Insurance Law stipulates that after the death of an insured person, one of the following situations occurs, the insured person’s inheritance as the insured person shall be transferred from the insurer to the heir of the insured person (2) The beneficiary dies before the insured, and there is no other beneficiary; (3) The beneficiary loses the right of beneficiary or renounces the right of beneficiary according to law, and there is no other Beneficiary This article, from the point of view of protecting the insured person, stipulates that in the event of the above three situations, the insurance money shall be inherited by the heir as the insured’s inheritance. This provision shows both rationality and practice in theory. Give an example