我国人身保险业务恢复以后,特别是1986年以来,各地公司纷纷推出了少年儿童保险、独生子女备用金保险、幼儿平安保险等诸多少儿险种。这些险种的开发,对扩展保险服务领域,促进少年儿童的健康成长,起到了不容置疑的积极作用。但这些险种的保险责任均规定“被保险人由于意外伤害事故致亡,给付全部保险金”(有的规定保险金额可高达一万元),笔者认为,在少儿险种中设定死亡给付责任存在不妥之处,特提出几点看法,略作商榷。 一、上述险种所包含的实质是,未成年人投保死亡保险,从而违反了死亡保险的最基本的原理。第一,死 Since the recovery of China’s personal insurance business, especially since 1986, many companies have launched a large number of children’s insurance such as children’s insurance, only-child reserve insurance, and child care safety insurance. The development of these types of insurance has played an indisputable and positive role in expanding the field of insurance services and promoting the healthy growth of children and adolescents. However, the insurance liability of these types of insurance all stipulates that “the insured person dies as a result of an accidental injury and pays all the insurance money” (some of the provisions of the insurance amount can be as high as 10,000 yuan). In my opinion, there is a responsibility to set death liability in children’s insurance Inappropriate, especially made a few comments, a bit controversial. First, the essence of the above insurance coverage is that minors insure death insurance, thereby violating the most basic principle of death insurance. First, die