爱子离奇溺亡 2千万保险受益人竟是别家小孩
<p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">据台湾媒体报道，岛内一名黎姓男子赴长滩岛游玩却溺毙身亡，黎男的父母亲伤心办理后事，却发现儿子的意外险受益人，竟是同团成员的儿子，与黎家完全没有血缘关系。黎男的父母上法院向新光人寿请求给付2000万元（新台币，下同）保险金。新光人寿认为，黎男的死因恐非意外而是他杀，受益人是谁有疑虑，保险契约应无效。不过法官认为，保险契约还是有效，且即便为他杀，也是突发事故符合“意外”要件，判决保险公司应依约给付。</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 319.188px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; line-height: 16px; height: 0px; background-color: transparent;"><img src="http://zxpic.imtt.qq.com/zxpic_imtt/2019/05/22/1130/originalimage/113418_4242024762_1_600_336.jpg" style="border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 319.188px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">根据判决，黎姓男子于2016年4月24日赴长滩岛旅游，同团成员有傅姓及任姓男子等一共4人。4人旅行平安险、意外与伤残保险交由傅姓男子向新光人寿办理，保险赔付额每人2000万元。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">但没想到，黎姓男子在抵达长滩岛后2天，溺水死亡，黎男的父母亲在办理后事，向新光人寿查询保险金时，却发现受益人竟是完全没有血缘关系，同团成员任姓男子的儿子。</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 368.359px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; line-height: 16px; height: 0px; background-color: transparent;"><img src="http://zxpic.imtt.qq.com/zxpic_imtt/2019/05/22/1130/originalimage/113419_4242024762_2_800_517.jpg" style="text-align: center; border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 368.359px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">黎男父母亲认为，是代办的傅姓男子未经黎男同意，将受益人写成别人家的孩子。而任男与妻子都在事发后，签属“放弃同意书”，明确表达放弃相关权利，因此2000万元保险金受益人应是黎男的父母亲，请求新光人寿应给付。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">不过新光人寿认为，傅姓男子未经黎男同意设定受益人，依岛内《保险法》规定，契约应无效。纵使契约有效，菲律宾官方或台湾刑事单位尚未针对黎男的死因进行调查、解剖，死亡证明并没有证明力。且黎男的父母也对傅姓、任姓男子等人提起杀人及诈欺取财未遂罪刑事告诉，可见黎男的死因恐为他杀，不符“意外”要件，因此拒绝给付。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">法官则认为，保险契约为黎男本人订立，保费也由黎男支付，并提供个人资料，依据傅姓男子的说法，他收齐4人的保费和资料后，便交给新光人寿承办人员，显见傅男仅负责代为申请及转交保费，难认有替私自替黎男投保、自己设立受益人的状况，契约也并非无效，只能说是黎男没有指定受益人。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">而依岛内《保险法》规定，2000万保险金为黎男的遗产，应由法定继承人继承，也就是黎男的父母。且黎男是否为意外死亡，黎男父母已尽举证责任，新光人寿未提出反证，即便真为他杀，对死者来说依旧属于外来变化导致的突发事故，符合“意外”要件。因此裁定新光人寿应给付2000万元保险金，全案可上诉。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; font-variant-numeric: normal; font-variant-east-asian: normal; line-height: 24.8896px; text-align: justify; widows: 1; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">（编辑 施蒙纳）</span></p><p></p>
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