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被保险人与受益人在共同灾难中死亡时,保险人给付死亡保险金的性质如何,应否给付死亡保险金,死亡保险金应给付于何人等问题,我国《保险法》的规定有些不尽合理科学,有些尚付阙如,人身保险实务上也常常引发纠纷,学者亦见解各异,未能达成共识。认真分析和研究这些问题,并提出相应的对策,有助于发现和弥补保险立法与实务的不足,完善我国保险立法,促进人身保险业务的健康发展。
When the insured and the beneficiary die in a common disaster, the insurer pays the death insurance, what should be paid for the death insurance, and what should be paid to the death insurance. The provisions of the Insurance Law of our country are not entirely reasonable Science, some still missing, life insurance practices often lead to disputes, scholars have different opinions, failed to reach a consensus. Carefully analyze and study these issues and put forward corresponding countermeasures will help find and make up for the lack of insurance legislation and practice, improve our insurance legislation, and promote the healthy development of life insurance business.