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題 名 | 論信用卡旅行平安保險=Some Legal Issues on Credit Card Travel Insurance |
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作 者 | 卓俊雄; | 書刊名 | 保險專刊 |
卷 期 | 26:2 2010.12[民99.12] |
頁 次 | 頁189-216 |
關鍵詞 | 書面同意; 團體傷害險; 待記名保險; 信用卡旅行平安險; 道德危險; Written consent; Group accident insurance; To-be-named group insurance; Credit card travel insurance; Moral hazard; |
語 文 | 中文(Chinese) |
中文摘要 | 摘要 銀行為擴大商機,遂推出消費者以信用卡支付出國旅遊團費或機票費用即享有旅行平安保險保障等活動。雖持卡人可透過此方式大幅提高旅遊期間保險保障,但也因此產生若干法律問題。本文認為信用卡旅行平安保險本質應屬待記名團體傷害險之一,故契約條文應符合「待記名傷害保險團體承保辦法」之規範;另要保人與被保險人應屬同一人且僅以持卡人為限;又信用卡旅行平安保險契約條文中應明載發卡銀行基於要保人(被保險人)利益代訂之意旨;惟為擴大對消費者保護,主管機關宜適度修法放寬對被保險人資格之限制。 |
英文摘要 | Abstract In order to promote credit card business, banks encourage card members to pay travel fare or air fare by providing travel insurance. However, there are some legal issues on these card payment transactions. This paper has found that credit card travel insurance is classified into so-called “To-be-named” group insurance, and should be regulated by “To-be named Group Life Insurance regulation”. To comply with regulations, this article urges that the insured of credit card travel insurance should be the card member only. A Bank enters into this insurance contract as an agent on behalf of card members. To enhance the protection of consumers, the authority should amend the regulations to loosen the requirements of the insured. |
本系統中英文摘要資訊取自各篇刊載內容。