摘要
受益人变更行为之性质,应为单方法律行为。在受益人变更的形式和生效问题上,我国《保险法》的规定存在歧义。关于变更行为的形式,应采形式自由原则,遗嘱可以作为变更的形式。关于变更的生效时点,由于变更行为系属无须受领的意思表示,应自变更行为发出之时生效。投保人或被保险人变更受益人采取通知形式的,于通知到达保险人之前,不得以此对抗保险人,投保人变更受益人未经被保险人同意的,变更行为效力待定,但被保险人未及同意已死亡时,应推定变更行为无效。
The nature of changing the insurance beneficiary should be considered a unilateral legal act. In the form and validity of beneficiary change, the provisions of China＇ s Insurance Law are ambiguous. The principle of free form should be adopted for the form of change. Will shall be recognized as one of the forms. The effective time of change should starts from the time such a request is issued, as the change doesn＇ t need to be accepted. If the appli- cant or the insured change beneficiary by notice, the notice may not be used to opposed to the insurer before the no-tice arrives to the insurer. If the applicant changes the beneficiary without the consent of the insured, the effective- ness of the change remains to be determined. But if the insured hasn＇ t change is invalid. agreed to the change when he dies, the
出处
《保险研究》
CSSCI
北大核心
2013年第7期86-94,共9页
Insurance Studies
基金
作者主持的国家社科基金项目<保险法司法解释及实施问题研究>(项目编号:11CFX019)的阶段性研究成果
关键词
单方法律行为
变更形式
变更生效
变更效力
unilateral legal act
form of change
going into effect
validity of change
