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《中华人民共和国保险法》若干问题的解释三的意见征求稿中对投保人合同解除权的可继承性予以了确认。但意见征求稿中的相关规定在实务操作中可能将导致一系列问题,同时也可能违背已故投保人的真实意愿。在“以被保险人为中心”的基础上,确定保单现金价值归被保险人所有,对继承人继承投保人地位加以条件限制,能够公平合理地处理保险合同解除权继承问题,从而在最大程度上保障被保险人的利益,更好地发挥保险的保障功能。
The “Opinions of the People’s Republic of China on the Insurance Law,” the interpretation of three opinions on the applicant’s contractual right to terminate the inheritance has been confirmed. However, the relevant provisions in the draft of the Opinion may lead to a series of problems in the practical operation as well as the actual wishes of deceased insureds. On the basis of “insured person ”, it is determined that the cash value of the policy belongs to the insured, and the heir is qualified to inherit the status of the insured, and the fair and reasonable handling of the succession of the insurance contract cancellation right can be carried out, so that to the greatest extent On the protection of the interests of the insured, give better play to protect the insurance function.