摘要
「團體一年定期人壽保險單示範條款」為目前各保險人經營團體保險之依據。然而因團體保險其特殊發展背景及功能，導致一般保險原理原則適用上發生衝突，爭議不斷。諸如團體保險當事人中要保人應如何解釋？團體保險保險利益歸屬主體為誰？由第三人所訂團體保險契約，是否應經團體成員中各個被保險人書面同意？團體保險具指定變更受益人權利之人為誰？其次關於團體保險契約構成部分條款、被保險人資格條款、契約終止及更約權條款、免責條款及不可抗爭條款、受益權喪失條款等，皆有檢視探討之必要。 企業應藉由團體保險特殊發展背景與功能，結合員工福利計畫，將團體保險功能推至最大，以回饋社會與國家。又國情乃至於文化不同，我國企業未能充分理解團體保險功能及重要性。故本文亦就社會保障福利制度沿革，及發展分為探討，導出員工福利與團體保險兩者間之關聯，分就個人及企業乃至於國家，於團體保險功能論適用上，各別分析其優劣並敘述之。 據上所述，為此本文就國內、外相關文獻，學說及實務，就前述議題分究探論，期能使團體保險適用範圍更加普及，適法性更趨完善，使企業瞭解風險、保險社會功能論之重要性，使我國團體保險暨相關法制發展，及整體社會保障體制加倍臻善。
並列摘要
“ Model Provisions for Group Yearly Term life Policies ＂promulgated by competent authority. The feature of “ group “ characteristic makes group life insurance different from general life insurance in many aspects: underwriting, premiums, partly effective and contract clauses. According to Article 2 of the model provisions, the policyholder is the “ group ”, and the members of the group are insureds. In other words, group insurance is entered into by third party. There are several problems to be solved: First, if the policyholder has no insurable interest in the insured, shall group insurance be void? Second, Article 105 of the law of insurance should get the regulation of written consents of the assured, is it applicable in the group insurance? Third, Who has the right to designate or change beneficiary of the group insurance? Fourth, who is the policyholder of the group insurance? And how can we identify the insurable interest of the policyholder and the insured? In addition, the qualifications of the assured of group insurance limit the clause, termination provision, conversion provision, exception clause and incontestability clause. All have a need that is reexamined again. Enterprises should develop background and function specially with the group insurance, combine welfare programs of staff, push the function of the group insurance to be largest, feedback society and country. Perhaps the culture of every country is different, the enterprises of our country can't fully understand function and importance of the group insurance. So this text discusses with development to the evolution of the welfare system of the social security, canvass the relation employee welfare and group insurance, part between individual, enterprise and country, with the intersection of group insurance and applicable function, analyze advantage and shortcoming specifically, and prov.