| 试析第三人代付保险费之法律效果 |
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| 引用本文： | 樊启荣,程芳.试析第三人代付保险费之法律效果[J].广州大学学报(社会科学版),2008,7(1):21-24. |
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| 作者姓名： | 樊启荣 程芳 |
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| 作者单位： | 广州大学法学院,广东,广州,510006 |
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| 摘 要： | 保险费之给付在性质上属债的清偿，本应由投保人负担；但第三人代为给付时，其法律效果如何，保险人得否拒绝受领？对此，我国《保险法》付之阙如，实务中争议颇多。文章主张，应视第三人为利害关系人还是任意第三人，以及区分财产保险与人身保险的性质不同，而其法律效果亦不同。
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| 关 键 词： | 保险合同 利害关系人 任意第三人 保险费代付 法律效果 |
| 文章编号： | 1671-394X(2008)01-0021-04 |
| 修稿时间： | 2007年12月12 |
The Legal Effect of Premium on the Third Party |
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| FAN Qirong,CHENG Fang.The Legal Effect of Premium on the Third Party[J].Journal of Guangzhou University(Social Science Edition),2008,7(1):21-24. |
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| Authors: | FAN Qirong CHENG Fang |
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| Institution: | (School of Law, Guangzhou University, Guangzhou, Guangdong, 510006, China) |
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| Abstract: | The payment of premium is inherently tender of a debt, which should be paid by the policy-holder. Yet, what is the legal effect when a third party pays the premium？ Will the insurer be denied the usual rights and benefits？ Our ＂Insurance Law＂ fails to offer a corresponding coverage, leading to much controversy in practice. The paper argues that the legal effect should differ according to whether the third party is an interested party or an arbitrary third-party and also according to the different attributes of property insurance and life insurance. |
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| Keywords: | insurance contract person interested arbitrary third party premium paid by the third party legal effect |
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