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被保险人被宣告死亡是人身保险业务中一种特殊情形。目前国内的相关研究较为薄弱,实务中的认识较为模糊,有些公司的保险条款中还存在自相矛盾的地方。本文认为,被保险人因意外事故下落不明而被宣告死亡,保险公司应承担保险责任;因其他原因宣告死亡,保险公司则应免责。保险条款中应将意外事故发生日作为被保险人的死亡时间。如被保险人生还,原合同效力及已给付保险金的处理应视具体情况而定。
The death of the insured person is a special case of life insurance business. At present, the related research in China is weak, and the understanding in practice is rather vague. Some companies still have self-contradictory provisions in their insurance clauses. This paper argues that if the insured person is declared dead due to the accidental missing, the insurance company should bear the insurance responsibility. For other reasons, the death of the insurance company should be exempted. The terms of the accident should be the date of the accident as the insured’s death. If the insured survives, the original contract validity and the payment of insurance premiums shall be dealt with as the case may be.