A Study On The Legal Question Of Minors Insurance Against Death

Life insurance of minors,and to its death as the insurance of insurance accident.Due to a minor mental and behavior ability is not fully mature,as the death of the insured has the high moral hazard of insurance liability,and the occurrence of moral hazard,not only threaten the safety of life of the insured and it will also hinder the insurance play its proper role \ "diversification\".In this paper,in order to prevent moral hazard as the center,for minors death insurance related legal issues of analysis and discussion,the introduction introduces the selected topic background and significance of this article and the basic structure of the paper,the text is divided into four parts:The first part of the summary of insurance against death for minors.This part mainly introduces the basic concept and characteristics of minors insurance against death,set the significance and other issues,for after article discusses the theoretical basis for related problems and solutions.The second part for minors to the cause and the death insurance special regulation mode.This part introduced the world's major countries in the minors' death insurance system on different regulation mode,including a complete ban minors death insurance mode,with the point of death age limit mode,funeral expenses and limits on the written consent of the minors,separate insurance amount limitation,and mainly introduced our country Taiwan area's legislation mode and evolution law,looking for suitable for the legislation of the mainland.The third part for the prevention and control of moral hazard:policy-holderissue.This part mainly discusses the insurance law in our country and its judicial interpretation about the applicant and the relevant provisions of the measures for perfecting the existing rules of related issues and problems,proposed should clear scope and moderately expand the scope of minors' death insurance policyholders.The fourth part is the moral hazard prevention and control:the insurance amount.This part mainly discusses the developing course and trend our country insurance amount,the insured amount of the current existing problems and solutions,put forward the insurance amount of minors in our country insurance against death shall be limited to the funeral expenses.