北京航空航天大学学报(社会科学版) ›› 2018, Vol. 31 ›› Issue (6): 22-27,68.DOI: 10.13766/j.bhsk.1008-2204.2016.0340

• 法学论坛 • 上一篇    下一篇

大病保险的性质与法律适用问题研究

乔石1, 李祝用2   

  1. 1. 北京航空航天大学 法学院, 北京 100083;
    2. 中国人民保险集团股份有限公司, 北京 100084
  • 收稿日期:2016-09-26 出版日期:2018-12-25 发布日期:2018-05-25
  • 作者简介:乔石(1983-),男,山西太原人,博士研究生,研究方向为公司法、金融法、保险法.

Research on Nature of Critical Illness Insurance and Applicable Law

QIAO Shi1, LI Zhuyong2   

  1. 1. Law School, Beijing University of Aeronautics and Astronautics, Beijing 100083, China;
    2. The People's Insurance Company(Group) of China Limited, Beijing 100084, China
  • Received:2016-09-26 Online:2018-12-25 Published:2018-05-25

摘要:

近年来,中国大病保险取得了显著发展,但其制度建设仍相对滞后,对于大病保险的性质、法律适用等问题并未形成统一认识,影响该项制度的持续发展。在中国保险法律制度体系下,结合社会保险与商业保险的区别进行分析,大病保险所具有的社会属性并不构成其本质属性,将其界定为一种政策性的商业保险更符合当前操作模式,利于解决实践中的问题。大病保险适用《保险法》,建议在《保险法》中对大病保险做出特别规定,并通过制定《大病保险条例》为大病保险提供制度依据。

关键词: 大病保险, 社会保险, 商业保险, 《保险法》, 社会属性, 商业属性, 政策性, 团体保险

Abstract:

In recent years, Critical Illness Insurance in China has achieved remarkable development, but its system construction is relatively lagging, and the nature and applicable law of Critical Illness Insurance are still not solved, obstructing the sustainable development of the system. In China's insurance legal system, considering the difference between social insurance and commercial insurance, the social attribute of Critical Illness Insurance does not constitute its essential attribute. Therefore, it is better to be defined as a kind of commercial insurance. Since Insurance Law applies to Critical Illness Insurance, it is suggested that special provision of Critical Illness Insurance should be added in Insurance Law and that Critical Illness Insurance Regulation should be legislated to provide system basis for Critical Illness Insurance.

Key words: Critical Illness Insurance, social insurance, commercial insurance, Insurance Law, social attribute, commercial attribute, policy, group insurance

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