論團體保險當事人之法律問題及示範條款之修訂建議Legal Issues of Group Insurance in Taiwan and Proposed Revision of Model

摘要
我國保險法對於團體保險並無規定，現行團體保險示範條款衍生下列法律問題：1.要保之團體(即要保單位)對於團體成員欠缺保險利益；2.若干要保之團體欠缺權利能力或行為能力；3.現行實務違反保險法第一○五條死亡保險被保險人應以書面表示同意之規定。本文認為，若要保之團體對於團體成員欠缺保險利益，團體保險之團體成員應同時為要保人與被保險人，並應以要保代理人取代要保單位，且團體成員與團體間必須具有特定連結關係。如此，不僅可以化解團體保險之適法爭議，防範道德危險與逆選擇；亦可確保團體成員之權益，協助保險產業之商品創新與市場發展。
關鍵字：團體保險、保險利益、連結關係、要保單位
Abstract
No regulations relevant to group insurance can be found in the Insurance Act in Taiwan. All the current existing group insurance policies are subject to the “Model Policy Form” stipulated by the regulatory authority. Under such a scenario, certain legal compliance issues occurred in the market due to the lack of: (1) insurable interest; (2) legal entities; and (3) written consent. It is submitted that all the group members with common link should be in the place as the applicant of group insurance, while the group should play an agent for its members. Not only the new mechanism may solve the issues of compliance and legality, but also may it provide better protection to the consumers and more flexibility to the insurance industry.
Keywords: group insurance, insurable interest, common link, application unit