摘要
我国保险法赋予了被保险人变更受益人等控制保险合同的权利,当被保险人欲撤销其同意或者事后对保险合同的订立表示反悔时,完全可以通过变更受益人来避免道德风险或者通过变更受益人间接使得投保人解除保险合同,而无需通过赋予被保险人解除权等权利的方式来达到保护被保险人的目的。
China＇s insurance law gives the insurant the right to designate or change the beneficiary of a personal insurance.When the insurant wishes to revoke his or her consent,he or she can change the beneficiary to avoid moral hazard,or by changing the beneficiaries,indirectly making the applicant to terminate the insurance contract.It is unnecessary to give the insurant a personal insurance the right to eliminate the contract to achieve the purpose of protecting the insurant.
出处
《齐齐哈尔大学学报（哲学社会科学版）》
2012年第5期40-42,共3页
Journal of Qiqihar University(Philosophy & Social Science Edition)
关键词
被保险人
合同控制权
同意权
变更受益人
the insurant
control over the contract
consent
change of the beneficiary
