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保险领域中,公共政策要求“一个人不能从自己的犯罪中获利”,但须区分“一个人不能从他人的犯罪中获利”之情形。被保险人故意犯罪致保险事故发生,应视保险目的与功能而异其法律后果:若被保险人因预谋犯罪而直接谋求保险金,保险人当然免责;若被保险人在投保二年后故意犯罪致保险事故发生,则保险人虽不负给付保险金之责,但应退还保险单的现金价值;若故意犯罪并非保险事故发生的直接原因,保险人不能当然免责。
In the insurance field, public policy requires that “one can not profit from one’s own crime”, but must distinguish between “one can not profit from the crime of another”. If the insured deliberately commits an insured event, it should depend on the purpose and function of the insured. Legal Consequences: If the insurer directly pursues the insured amount due to the crime of premeditation, the insurer will of course be exempted from liability; if the insured deliberately If an insured event occurs, the insurer shall not be liable for the payment of the insured deposit but should refund the cash value of the insured deposit. If the intentional crime is not the direct cause of the insured event, the insurer can not, of course, be exempted from the liability.