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检察日报:“鹿晗恋爱险”等奇葩险种实质属于赌博
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Topic: 检察日报:“鹿晗恋爱险”等奇葩险种实质属于赌博 (Read 96 times)
banbangfa
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检察日报:“鹿晗恋爱险”等奇葩险种实质属于赌博
December 20, 2017, 07:07:11 AM
#1
近日,明星鹿晗和关晓彤恋情一经公布,网上有商家开售“鹿晗恋爱险”,每单保费11.11元,承诺如两人一年后仍保持恋爱关系,商家便支付双倍金额,不少粉丝投保。12月16日荔枝网刊载的文章指出,媒体调查发现“鹿晗恋爱险”成交74单。
除“鹿晗恋爱险”外,“违章贴条险”“忘穿秋裤险”“美厨娘关爱险”“中秋赏月险”等等,各种“奇葩险”近年来频频映入人们视野。笔者认为,这些“奇葩险”其实就是游戏,披上“互联网+”的外衣,有创新之名,无创新之实。那么,它们究竟能否称为保险?根据保险法关于保险的法定解释,“奇葩险”不属于真正意义上的保险,只是冠以保险之名,实质上不具有财产保险或人身保险的属性。从保险利益的角度而言,“奇葩险”的购买者多出于粉丝情结或猎奇心理。拿“鹿晗恋爱险”来说,粉丝“投保”时对“鹿晗”没有保险利益,“协议”无效,在协议无效的情形下,平台机构仍支付所谓的赔偿金属于博彩,即赌博。
保险业是金融业的有机组成部分,我国保险法规定实行市场准入制度,设立保险公司应当经国务院保险监督管理机构批准。中国保险行业的监督管理机构为保监会,依法设立的各保险公司有权经营保险业务、设立险种,并有义务将险种向保监会进行备案,有的还需要报保监会审批。而“奇葩险”的开发者多为互联网平台或商家,并不具有法定的保险经营资质,无权经营未经备案或审批的险种。基于此,应当说“奇葩险”并非保险法上的保险类型,严重侵害了保险业市场形象,保险监管机构对于这种冠以“保险”名义的赌博行为应及时查处,规范保险市场。
消费者更关心的是,购买“奇葩险”有什么法律风险?区分赌博行为和保险是保险法上一个基本命题。保险作为风险管理的有效手段,是以转移和化解风险为目标的,而“奇葩险”更类似一种赌博行为,把原本稳定的收入反而转化为不稳定的风险。以“鹿晗恋爱险”为例,其中关于“明星保持恋爱关系即赔偿”的关键条款约定,从本质上来说是一场对赌游戏,完全与商业保险的保障属性无关。保险被当作一场博彩游戏,在互联网保险的浪潮之下,注定会给消费者传递一些错误信号,引发保险市场的失序。
保险的另一“创新”,还体现为第三方网络保险平台的迅猛发展。消费者不禁要问,第三方平台需要具备法定的资质吗?答案是肯定的。根据我国法律规定,第三方平台代理保险必须取得营业执照,且应取得保险公司授权。2015年保监会出台的《互联网保险业务监管暂行办法》规定得很明确,第三方网络平台应在醒目位置披露合作保险机构信息及第三方网络平台备案信息,并提示保险业务由保险机构提供。
实践中,互联网保险创新乱象频发,不乏打着保险旗号行诈骗或非法集资之实。对此,保监会2016年10月发布《互联网保险风险专项整治工作实施方案》,提出重点查处和纠正保险公司与不具备经营资质的第三方网络平台合作开展互联网保险业务的行为,体现了监管部门的及时规制。
总之,保险业的良性创新值得鼓励,体现了互联网时代保险业新的增长点,但同时应牢记“互联网+”是手段,不是目的,保险监管机构须使保险创新回归保险本质。保险法规定保险公司的明确说明义务,不因“互联网+”而免除,“互联网+”之下的保险监管更需要“智慧+”,让不规范的“创新”走上法治轨道。
junlyaa
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Re: 检察日报:“鹿晗恋爱险”等奇葩险种实质属于赌博
December 20, 2017, 07:45:16 AM
#2
现在靠着蹭明星的热点赚钱的商家特别多,而且也特别无耻,这个谁也别说谁,你看那些开一元夺宝,抓娃娃机的,不照样也是赌博啊。。。没办法,脑残用户太多,骗子不够用
kurumi
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Merit: 500
Re: 检察日报:“鹿晗恋爱险”等奇葩险种实质属于赌博
December 20, 2017, 07:52:48 AM
#3
商家的脑子太好使,所以这社会每天都有人赚大钱
warcarft3
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Activity: 415
Merit: 10
Re: 检察日报:“鹿晗恋爱险”等奇葩险种实质属于赌博
December 20, 2017, 09:05:38 AM
#4
现在骗钱都这么简单了?那还上班干什么, 。
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