保險合同強製轉移

含義

保(bao)險(xian)合(he)同(tong)強(qiang)製(zhi)轉(zhuan)移(yi)是(shi)指(zhi)當(dang)一(yi)家(jia)保(bao)險(xian)公(gong)司(si)破(po)產(chan)後(hou)，為(wei)保(bao)護(hu)投(tou)保(bao)人(ren)以(yi)及(ji)被(bei)保(bao)險(xian)人(ren)的(de)合(he)理(li)期(qi)待(dai)，法(fa)律(lv)規(gui)定(ding)由(you)另(ling)一(yi)家(jia)保(bao)險(xian)公(gong)司(si)繼(ji)續(xu)作(zuo)為(wei)保(bao)險(xian)人(ren)承(cheng)擔(dan)保(bao)險(xian)義(yi)務(wu)，使(shi)得(de)保(bao)險(xian)合(he)同(tong)得(de)以(yi)繼(ji)續(xu)維(wei)持(chi)效(xiao)力(li)，投(tou)保(bao)人(ren)及(ji)被(bei)保(bao)險(xian)人(ren)得(de)以(yi)繼(ji)續(xu)獲(huo)得(de)保障而不必終止合同的製度。

相關規定

《中華人民共和國保險法》第九十二條規定:"經(jing)營(ying)有(you)人(ren)壽(shou)保(bao)險(xian)業(ye)務(wu)的(de)保(bao)險(xian)公(gong)司(si)被(bei)依(yi)法(fa)撤(che)銷(xiao)或(huo)者(zhe)被(bei)依(yi)法(fa)宣(xuan)告(gao)破(po)產(chan)的(de)，其(qi)持(chi)有(you)的(de)人(ren)壽(shou)保(bao)險(xian)合(he)同(tong)及(ji)責(ze)任(ren)準(zhun)備(bei)金(jin)
，必(bi)須(xu)轉(zhuan)讓(rang)給(gei)其(qi)他(ta)經(jing)營(ying)有(you)人(ren)壽(shou)保(bao)險(xian)業(ye)務(wu)的(de)保(bao)險(xian)公(gong)司(si);不能同其他保險公司達成轉讓協議的
，由國務院保險監督管理機構指定經營有人壽保險業務的保險公司接受轉讓。"

《保險保障基金管理辦法》第十八條第三款規定:"人身保險保障基金僅用於向人身保險公司的保單持有人和接受人壽保險合同的保單受讓公司提供救助。"

第二十條:"jingyingyourenshoubaoxianyewudebaoxiangongsibeiyifachexiaohuozhebeiyifaxuangaopochande，qichiyouderenshoubaoxianhetong，bixuyifazhuanranggeiqitajingyingyourenshoubaoxianyewudebaoxiangongsi;不能同其他保險公司達成協議的
，由中國保監會指定的經營有人壽保險業務的保險公司接受轉讓。"

第二十一條:"被(bei)依(yi)法(fa)撤(che)銷(xiao)或(huo)者(zhe)依(yi)法(fa)實(shi)施(shi)破(po)產(chan)的(de)保(bao)險(xian)公(gong)司(si)的(de)清(qing)算(suan)資(zi)產(chan)不(bu)足(zu)以(yi)償(chang)付(fu)人(ren)壽(shou)保(bao)險(xian)合(he)同(tong)保(bao)單(dan)利(li)益(yi)的(de)，保(bao)險(xian)保(bao)障(zhang)基(ji)金(jin)可(ke)以(yi)按(an)照(zhao)下(xia)列(lie)規(gui)則(ze)向(xiang)保(bao)單(dan)受(shou)讓(rang)公(gong)司(si)提(ti)供(gong)救(jiu)助(zhu):(一)保單持有人為個人的
，救助金額以轉讓後保單利益不超過轉讓前保單利益的90%為限;(二)保單持有人為機構的，救助金額以轉讓後保單利益不超過轉讓前保單利益的80%為(wei)限(xian)。保(bao)險(xian)保(bao)障(zhang)基(ji)金(jin)依(yi)照(zhao)前(qian)款(kuan)規(gui)定(ding)向(xiang)保(bao)單(dan)受(shou)讓(rang)公(gong)司(si)提(ti)供(gong)救(jiu)助(zhu)的(de)
，救(jiu)助(zhu)金(jin)額(e)應(ying)以(yi)保(bao)護(hu)中(zhong)小(xiao)保(bao)單(dan)持(chi)有(you)人(ren)權(quan)益(yi)以(yi)維(wei)護(hu)保(bao)險(xian)市(shi)場(chang)穩(wen)定(ding)
，並(bing)根(gen)據(ju)保(bao)險(xian)保(bao)障(zhang)基(ji)金(jin)資(zi)金(jin)狀(zhuang)況(kuang)為(wei)原(yuan)則(ze)確(que)定(ding)。"

缺陷

就保險會同強製轉移製度的適用條件和範圍而言，我國的立法過於狹窄。保險公司的經營明顯不當進而很有可能對投保人、beibaoxianrenyijishouyirendequanyizaochengzhongdasunhaishi，yeyingdangzhunxushiyongqiangzhizhuanyizhidu，erbushizuodengsunhaifashengdaozhibaoxiangongsibeixuangaopochanhuobeichexiaohoucaiyuyiqidong。baoxianhetongqiangzhizhuanyizhiduwulunshiduiyucaichanbaoxian，haishirenshenbaoxianjunyoushiyongdebiyao。woguo《保險法》guidingdeqiangzhizhuanyijinshiyongyurenshoubaoxian，fanerxianzhilegaizhidudexiaoyong。danduiyuyifashengbaoxianshigubingjiangyinyouguanbaoxianpeifuerzhongzhidebaoxianhetongwuxujinxingzhuanyi，youguandebaoxianjinqingqiuquanyingdangzuoweipochanzhaiquanzhijiecanyubaoxiangongsipochancaichandefenpei。

就保險合同強製轉移製度的保單受讓公司(接受轉移的公司)eryan，woguodelifabuliyubaohubaoxianshichangshangqitabaoxiangongsidezhengdangliyi。baoxiangongsidepochanhuobeichexiaodengjunkenengchanshengyuqiyewujingyingdequexianhuoshiwu，youqizaichengbaoguochengzhongruguobaoxiangongsidefengxianshibienenglidixia
，wangwanghuizaochenghetongyuedingdebaoxianfeilvyuandiyushijidefengxianfeilv，zhejiangzhijiedaozhibaoxiangongsiziqiandingbaoxianhetongqijiucunzaichangfunenglibuzudewenti。jibianzhuanyigongsiyewujingyingbucunzairuciyanzhongdequexian，quefaxiangguanxinxidebaodanshouranggongsideyuantoubaorenhebeibaoxianrenyoukenengyuqijieshoudebaoxianhetongjiangduibaodanshouranggongsideyewuhecaichanzhuangkuangchanshengbuliyingxiang。zaiwoguobaoxianhetongqiangzhizhuanyizhiduzhong，ruguobunengtongqitabaoxiangongsidachengzhuanrangxieyide
，youbaoxianjianduguanlijigouzhidingjingyingyourenshoubaoxianyewudebaoxiangongsijieshou。duiyuzhezhongzaibeibaoxianshichangjujuehouerchanshengdezhidingzhuanyi，qixiangguanbaoxianyewukenengcunzaidejingyingfengxianheqiduibaodanshouranggongsideyuantoubaorenhebeibaoxianrenxinliyuqideyingxianggengshijuda。yinciweihelidibaohubaodanshouranggongsidezhengdangliyi，zaibaoxianhetongqiangzhizhuanyizhiduzhongbunengtongqitabaoxiangongsidachengzhuanrangxieyide，buyingdangyoubaoxianjianduguanlijigouzhidingbaoxiangongsijieshou。

就保險合同強製轉移的前置程序而言
，我國的立法不利於保護投保人
、被保險人以及受益人的正當權益。保單受讓公司的償付能力、經營狀況和服務質量等事關強製轉移保險合同的投保人、被保險人和受益人的切身利益，應當以一定的方式給予其選擇保單受讓公司的機會