北京航空航天大学学报(社会科学版) ›› 2014, Vol. 27 ›› Issue (4): 37-41.DOI: 10.13766/j.bhsk.1008-2204.2013.0609

• 本期特约专家稿件 • 上一篇    下一篇

被保险人因“履行道德上义务”所致之损害——评中国台湾地区高等法院台中分院2012年度保险上易1判决

张冠群   

  1. 政治大学法学院, 台湾 台北 10001
  • 收稿日期:2014-01-02 出版日期:2014-07-25 发布日期:2014-07-23
  • 作者简介:张冠群(1975-),男,台湾台北人,副教授,博士,研究方向为保险法与金融法。

Losses Incurred by Performing Moral Obligation:a Critical Analysis on 2012 BaoXianShangYi No.1 Decision of the Taiwan Taichung High Court of China

Zhang Guanqun   

  1. College of Law, Chengchi University, Taipei 10001, China
  • Received:2014-01-02 Online:2014-07-25 Published:2014-07-23

摘要:

此件系争事故发生既出于被保险人之故意,则依中国台湾地区《保险法》第29条第2项但书规定,损害出于投保人或被保险人之故意者,保险人不负保险责任。然此件被保险人复主张,其接受捐肝手术之行为,乃为救助其夫,虽出于故意但属“履行道德上义务”,依中国台湾地区《保险法》第30条,保险人对于因“履行道德上义务”所致之损害应负赔偿责任。根据英美法上的“公众良心标准”,此件被保险人捐肝救夫之行为,其故意行为乃造成身体之伤害,而其欲成就之利益乃救助丈夫性命,两相权衡,其欲成就之利益显大于因故意行为而造成之损害,故保险人应负理赔之责。

关键词: 故意不赔, 保险理赔, 公众良心标准, 道德上义务, 损害

Abstract:

As the losses in this case incurred from the intentional conduct of the insured, the insurer, in principle, is relived from liability of paying proceeds pursuant to Section 2 of Article 29 of Taiwan Insurance Act which reads, "Insurer bear no obligation where losses is result from the intentional conduct of the insured". Nevertheless, the insured argued that her conduct? though intentional, is an act of performing moral obligation so that the insurer is still liable for the losses. Therefore, the issue of this case is whether the conduct the insured fall within the scope of Article 30 of the Insurance Act which provides that "The Insurer is liable for the losses incurred from the performance of moral obligation". This note introduces the "public conscience principle" from the Anglo-American Law and argued that weighing the losses incurred from the insured's injury due to donation of partial liver and the benefit of saving the life of the insured's husband, the benefit of life saving outweigh losses result from intentional conduct. Thus, the insurer still has the duty to indemnify the insured.

Key words: no liability for intentional conduct, insurance claim, public conscience test, moral obligation, loss

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