생명보험표준약관상 자살면책조항에 대한 일고찰
A Legal Study on Suicide Indemnity Clauses under Life Insurance Policies
0
조회
0
다운로드
1
인용
0
참고문헌
키워드
초록
According to the Korean Commercial Code Art. 659(1)〔Reasons for Exemption of Liability〕, it is regulated that if the insured events have occurred due to intention or gross negligence of the policyholder, of the insured, or of the beneficiary, the insurer is not liable for paying the insured amount. Also Article 732-2 (Insurance Risks caused by Gross-Negligence), it is regulated that in the case of an insurance contract covering death as an insured event. the insurer shall not be discharged from its liability. even though the insured event happens by reason of gross negligence of the policyholder. insured or beneficiary. By the way, in life insurance policy, it is regulated that when the insured suicide after 2 years from the date the policy is issued, claim paid shall be paid. Then, why does the suicide liability clause in the life insurance policy exist and why is it accepted? On this study, the relationship between Korean Commercial Code Art. 659(1), Intention, and Item 2 of Paragraph 1 of Article 16 of life insurance policy, Suicide, was reviewed.
Abstract
According to the Korean Commercial Code Art. 659(1)〔Reasons for Exemption of Liability〕, it is regulated that if the insured events have occurred due to intention or gross negligence of the policyholder, of the insured, or of the beneficiary, the insurer is not liable for paying the insured amount. Also Article 732-2 (Insurance Risks caused by Gross-Negligence), it is regulated that in the case of an insurance contract covering death as an insured event. the insurer shall not be discharged from its liability. even though the insured event happens by reason of gross negligence of the policyholder. insured or beneficiary. By the way, in life insurance policy, it is regulated that when the insured suicide after 2 years from the date the policy is issued, claim paid shall be paid. Then, why does the suicide liability clause in the life insurance policy exist and why is it accepted? On this study, the relationship between Korean Commercial Code Art. 659(1), Intention, and Item 2 of Paragraph 1 of Article 16 of life insurance policy, Suicide, was reviewed.
참고문헌 (30)
- 김선정, "재해보험약관상 자살면책조항에 관한 최근 판례의 검토 :면책기간 경과 후의 자살이 재해사고로 되는지 여부", 보험학회지, 73 (2006), 한국보험학회
- 김선정, "생명보험약관상 자살면책기간경과후의 자살 :최근 일본 판례의 동향을 중심으로", 보험학회지, 69 (2004)
- 동부화재 법무파트, "인보험 자살면책 약관에 대한 소고", 손해보험, 통권 : 467 (2007), 손해보험협회
- 송달섭,"생명보험표준약관상의 자살면책조항에 관한 소고",기업법연구 제21권 제2호 통권 제29호,한국기업법학회, "생명보험표준약관상의 자살면책조항에 관한 소고", 기업법연구, 21(2)통권 : 29 (2007), 한국기업법학회
- 유주선, "보험자의 면책과 생명보험표준약관상 자살부책조항", 경영법률, 18(1) (2007), 한국경영법률학회
- 이기수, "보험해상법" (2008), 박영사
- 이용석, "생명보험약관상의 자살 면·부책조항의 문제점에 관한 검토", 보험학회지, 69 (2004), 한국보험학회
- 최병규, "보험판례와 향후 소비자보호 방안", 경영법률, 18(2) (2008), 한국경영법률학회
- 甘利公人, "商法680條1項1號と自殺免責條項", 上智法學論集, 44(3) (2001)
- 甘利公人, "生命保險契約における自殺免責條項の意義", 上智法學論集, 48(1) (2004)
- 福島雄一, "生命保險契約の自殺免責約款における自殺免責期間經過後の被保險者自殺に關する一考察", 保險學雜誌, (582) (2001)
- 福島惠久, "免責期間後の自殺免責-ある判決をめぐる論爭", 共濟と保險, 41 (1999)
- 山下友信, "“團體定期保險と保險金の歸趨-最三判平成18?4?11について”,? NBL 第834號, 商事法務, 2006.??", ~ (2006)
- 山下友信, "“平成11年度重要判例解說”, ジュリスト, 第1179號, 2000", ~ (2000)
- 山下丈, "生命保險契約と被保險者の危險", 東海法學, (23) (2000)
- 西島梅治, "“生命保險契約法の變容とその考察”, 2001", ~ (2001)
- 西島梅治, "自殺免責をめぐる諸問題", 文獻月報, (354) (2000)
- 笹本幸祐, "人保險における免責條項と證明責任(四·完)", 文硏論集, (131) (2000)
- 楯郁夫, "“免責期間經過後の自殺-西嶋敎授評釋への疑念”, インシュアランス（生保版）第3886號, 2000.?", ~ (2000)
- 楯郁夫, "“免責期間經過後の自殺判決評論論評の補說”, インシュアランス（生保版）, 第3904號, 2000.?", ~ (2000)
- 勝野義孝, "生命保險契約における信義誠實の原則" (2002), 文眞堂
- ? 素?, "“故殺?自殺?保險事故招致免責の法的根據”, 江頭憲治郞先生還曆記念「企業法の理論(下券)」, 商事法務, 2007.?", ~ (2007)
- 田?康平, "新版現代保險法" (1995), 文眞堂
- 洲崎博史, "“平成11年度重要判例解說”, ジュリスト 第1197號, 2000", ~ (2000)
- 竹濱修, "人保險における自殺免責條項", 立命館法學, (225) (1992)
- 中西正明, "生命保?契約において保?者の責任開始の日から一年?に被保?者が自殺した場合には死亡保?金を支拂わない旨を定めている保?約款の解釋", 民商法誌, 131(2) (2004)
- 中西正明, "文硏保險事例硏究會レポト", (157) (2000)
- 片山利弘, "“免責期間經過後の自殺- 楯都夫『西嶋敎授評釋への疑念』の問題点”, インシュアランス（生保版）, 第3895號, 2000", ~ (2000)
- Picard et Besson, "Les assurances terrestres. T. I, 5e ?, 1982.?", ~ (1982)
- J. Kullmann, "Suicide et assurance; une d??vielle notion, mais un tout nouveau r?ime, RGDA. 2002.젨?", ~ (2002)