摘要
为应对新冠疫情带来的重大突发风险以及履行必要的社会责任,我国保险业紧急出台了诸如扩展已有险种的保障范围与保障期限、设计新的针对性险种、赠送保险等措施,但也因部分措施具有浓厚的“救急”色彩,而很大程度上偏离了保险法的基本原则和部分实定法规则,引发诸多争议。未来保险业在应对重大突发风险时,一方面,应在坚守对价平衡原则和既有保险法规则的基础上,充分发挥保险风险转移与分散功能;另一方面,也应认识到商业保险并非万能,需要妥善利用政策性保险的工具来应对可能存在的经验数据不足及巨灾风险等难题,从而提供更加符合市场需要的产品。此外,司法介入保险合同亦要保持必要克制,不但要尊重保险业运行的规律,也需遵守法定的调整路径。
In order to combat COVID-19 epidemic and bear the burden of social responsibility, insurers have adopted a lot of measures such as expanding the coverage of insurance contracts, prolonging insurance periods, designing new insurance products and offering free insurance protections.Some emergency measures have caused heated controversies because they depart further from the principles and rules of insurance law.In the future, first of all, the insurance industry should play an important role in the transferring of risks by complying with the principle of equilibrium between premium and coverage as well as existing insurance law.Secondly, they need to resolve the lack of commercial insurance and make use of the policy insurance to deal with the problems that the empirical data are not enough and catastrophe risks may come into being.In addition, insurers ought to offer suitable insurance products to adapt to market demands and changing risks.Finally, there are some limitations on judicial interventions about insurance contracts, especially, the rules related to the operation of insurance and legal procedure ought to be respected.
出处
《财经法学》
CSSCI
2022年第2期69-81,共13页
Law and Economy
基金
南京大学2020年“完善重大疫情防控体制机制研究专项”项目资助。
关键词
新冠肺炎疫情
风险管理
对价平衡
政策性保险
COVID-19 epidemic
risk management
principle of equilibrium between premium and coverage
policy insurance
