本文選題：年齡不實　切入點：短交保費　出處：《北京社會科學》2017年01期

【摘要】：在年齡不實導致投保人短交保險費的情況下,中國《保險法》規(guī)定,保險人享有要求投保人補交保費或比例賠付的選擇權(quán),而真正享有選擇權(quán)的主體應當是投保人。保險法的規(guī)定導致保險人在保險事故已經(jīng)發(fā)生的情況下更愿選擇比例賠付,這對投保人有失公允,應當例外規(guī)定,若保險人對年齡不實存有過失,則投保人可以選擇補交保費。在年齡不實導致投保人溢交保費的情況下,中國《保險法》僅規(guī)定了退還保險費一種處理方式,這一規(guī)定堵塞了雙方當事人協(xié)商按照比例增加保險金的途徑,應當賦予保險人退還保險費或按照比例增加保險金額的選擇權(quán)。保險人選擇退還溢交之保險費時,應一并退還溢交保險費之利息。保險人故意導致溢交保費的,應當按照比例增加保險金額。
[Abstract]:In the case of underpayment of insurance premiums by policyholders due to age misrepresentation, the Chinese Insurance Law stipulates that the insurer shall have the option to require the policyholder to make up the premium or to pay the premium proportionately. The subject that really enjoys the right of choice should be the policyholder. The provisions of the insurance law lead to the insurer being more willing to choose proportional compensation when the insurance accident has already taken place, which is unfair to the policyholder and should be excepted. If the insurer has fault with regard to age misrepresentation, the insured may choose to make up the premium. In the case of overpayment of premium by the policyholder due to unrealisation of age, China's Insurance Law provides only one way of handling the refund of insurance premium. This provision blocks the way for both parties to negotiate a proportional increase in the insurance premium, and should give the insurer the option to refund the premium or increase the amount of insurance proportionately. When the insurer chooses to return the overpaid insurance premium, Interest on overpaid insurance shall be refunded. If the insurer intentionally causes overpayment, the amount of insurance shall be increased proportionately.
【作者單位】： 中國青年政治學院法學院;
【基金】：國家社會科學基金青年項目(11CFX019)
【分類號】：D922.284
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本文編號：1680933