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现行保险法中的同时罹难条款既可能导致保险法推定与继承法推定之间的矛盾,也可能导致保险法推定之间的相互矛盾。美国法对我国法的不当影响和立法技术上的疏漏是产生推定矛盾的两个原因。为了消除这些形式上的矛盾,保险法宜删除关于同时罹难的事实推定规范,建立如下裁判性规范:受益人与被保险人均已死亡,且不能确定死亡先后顺序的,如保单尚有其他生存受益人,由其他生存受益人领取保险金;如保单没有其他生存受益人,由被保险人的法定继承人以受益人之身份领取保险金。
The simultaneous death clause in the current insurance law may not only result in the contradiction between the presumption of insurance law and the presumption of succession law, but also may lead to the contradiction between the presumption of insurance law. The improper influence of the U.S. law on our law and the omission of the technical aspects of the legislation are two reasons for the presumption of contradiction. In order to eliminate these formal contradictions, the Insurance Law should delete the de facto presumption of normative death and establish the following normative norms: the beneficiaries and the insured have died, and the order of death can not be determined, if there are other survival beneficiaries in the policy , Beneficiaries receive benefits from other surviving beneficiaries; if the policy does not have other surviving beneficiaries, the insured person’s legal successor will be beneficiaries to receive the insurance money.