本文選題：年齡不實(shí)　切入點(diǎn)：短交保費(fèi)　出處：《北京社會(huì)科學(xué)》2017年01期

【摘要】：在年齡不實(shí)導(dǎo)致投保人短交保險(xiǎn)費(fèi)的情況下,中國(guó)《保險(xiǎn)法》規(guī)定,保險(xiǎn)人享有要求投保人補(bǔ)交保費(fèi)或比例賠付的選擇權(quán),而真正享有選擇權(quán)的主體應(yīng)當(dāng)是投保人。保險(xiǎn)法的規(guī)定導(dǎo)致保險(xiǎn)人在保險(xiǎn)事故已經(jīng)發(fā)生的情況下更愿選擇比例賠付,這對(duì)投保人有失公允,應(yīng)當(dāng)例外規(guī)定,若保險(xiǎn)人對(duì)年齡不實(shí)存有過(guò)失,則投保人可以選擇補(bǔ)交保費(fèi)。在年齡不實(shí)導(dǎo)致投保人溢交保費(fèi)的情況下,中國(guó)《保險(xiǎn)法》僅規(guī)定了退還保險(xiǎn)費(fèi)一種處理方式,這一規(guī)定堵塞了雙方當(dāng)事人協(xié)商按照比例增加保險(xiǎn)金的途徑,應(yīng)當(dāng)賦予保險(xiǎn)人退還保險(xiǎn)費(fèi)或按照比例增加保險(xiǎn)金額的選擇權(quán)。保險(xiǎn)人選擇退還溢交之保險(xiǎn)費(fèi)時(shí),應(yīng)一并退還溢交保險(xiǎn)費(fèi)之利息。保險(xiǎn)人故意導(dǎo)致溢交保費(fèi)的,應(yīng)當(dāng)按照比例增加保險(xiǎn)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(guó)青年政治學(xué)院法學(xué)院;
【基金】：國(guó)家社會(huì)科學(xué)基金青年項(xiàng)目(11CFX019)
【分類(lèi)號(hào)】：D922.284
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本文編號(hào)：1680933