失能保險相關法律問題之研究—暨保險條款之評析

A Study on Legal Issues relating to Disability Insurance and Analysis of its Contractual Provisions

卓心怡(Hsin-Yi Cho)

指導教授 ： 江朝國

國立臺北大學/法律學院/法律學系/碩士(2011年)

摘要

商業性保險制度，具有匯集眾人力量以分攤風險之社會性格，若能妥適運用，其所產生的整體效益，必能對社會發揮強大力量，商業失能保險即為適例。所謂失能保險，乃指被保險人因疾病或傷害而失能以致失去勞動所得之收入時，由保險人提供保險金額以彌補被保險人勞動收入所得損失之保險。唯實務上失能保險中的「失能」概念卻易與人身保險的殘廢概念等相近概念相混淆，致使商業失能保險未能充分發揮其預期效益。

是以，本文乃以相關文獻之蒐集整理逐項分析，由失能保險之類型、特性及相關制度比較出發，並以失能保險保險利益之確認及其所涉法律爭議為核心，逐一釐清失能之本質概念，探究失能保險契約主體彼此間權利與義務關係。希冀透過本文研究後所提出之淺見，在未來失能保險契約發生相關爭議時，能有助於實務發展參考，為前揭問題取得一解決方向，貢獻小小心力。

關鍵字

失能保險 ； 保險利益

並列摘要

Through the adequate operation of an business insurance system, risks and combined losses can be predicted, financed and redistribution in advance. It is a dynamic and effective risk management process in human society, and disability insurance is one of the most significant examples. Disability insurance is an insurance contract wherein an insurer undertakes to pay insurance amount or other benefits in the event that the insured becomes disabled or unable to engage in any job that the person is qualified for as a result of bodily injury, disease or mental disorder. In practice, however, the concept of “disability” in disability insurance is frequently mixed up with personal insurance, which lead to the disability insurance usually fail to bring the expected benefit.

Based on the abovementioned concepts and patterns of disability insurance, this study attempts to exam the significant difficulty of the disability insurance’s practice, concerns, and misunderstandings stems from inadequate recognition of it’s unique characteristics and risks. This study also reviewed and evaluated the legal issues of the suggested insurable interest of disability insurance for observing the rights and duties between the contractual parties. Hopefully, the findings could be useful references for the disability insurance in establishing corresponding practices and measures.

並列關鍵字

Disability Insurance ； Insurable interest

參考文獻

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6.汪信君，〈保險法告知義務之義務性質與不真正義務〉，收錄於：《台大法學論叢》第36卷第1期，2007年。

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