‘재해사망보험금 청구기간 연장에 관한 특별법안’의 법리적 검토

• 영문명: Jurisprudential review of The Special bill on the Accidental death benefit Request period extension
• 발행기관: 중앙대학교 법학연구원
• 저자명: 김배정(Kim, Bae-Jung)
• 간행물 정보: 『법학논문집』法學論文集 第41輯 第1號, 195~228쪽, 전체 34쪽
• 주제분류: 법학 > 법학
• 파일형태: PDF
• 발행일자: 2017.04.30

영문 초록

The Suprem e Court and low er instance positions have been m ixed on whether or not to recognition the accidental death benefit request rights s extinctive prescription. Recently, however, the Suprem e Court has expressed the view that the claim s can not be exercised with the com pletion of the extinction prescription. The reason for the problem was that the accidental death benefit, which was completed by the extinction prescription, had controversial interpretation because it was not am end even though there w ere im perfect term s at the tim e of contract. Nevertheless, the insurer is refusing to pay the insurance due to the com pletion of the extinction prescription of benefit request rights and interpretation of incomplete terms. On the other hand, the Financial Supervisory Service (FSS) has been instructing the insurer to pay the unpaid insurance due to the liability of the insurer and the protection of the insurance consum er s rights. The difference between the judgm ent of the court and the position of the FSS is clear. Discuss the interpretation of incomplete term s and the position of the court. It also exam ines the retroactive effect and the unconstitutionality of the Special Act. In order to m inim ize the confusion of the application of law s and protect the rights of insurance consumers, ‘A special bill on the accidental death benefit request period extention has recently been propose the bill at the National Assembly. I explained the contents of this special bill, and reviewed jurisprudential whether it violated the extinction prescription and w hether it w as legitim ate retroactive legislation. The enforcem ent of the special law provides the insurance consum er w ith the opportunity to escape from the situation of loss of the expected profit due to the incom plete contract design and the loss of the dam age to the insurance consum er, I hope that the insurer and the consum er w ill be a stepping stone to encourage careful decision m aking in insurance contracts.

목차

Ⅰ. 시작하며

Ⅱ. 특별법안의 주요내용

1. 제안배경 2. 주요내용

Ⅲ. 재해사망보험금 지급관련 법원 및 금융감독원의 입장

1. 재해사망보험금 지급 관련 법원의 입장

2. 재해사망보험금 지급 관련 금융감독원의 입장

Ⅳ. 특별법안의 검토

1. 소멸시효제도의 인정근거와의 상충 여부

2. 진정소급입법에 해당하는지 여부

3. 검토

Ⅴ. 특별법의 소급효 및 위헌여부

1. 특별법은 소급효를 가진 법률인가

2. 특별법안 및 부칙이 개별사건이기 때문에 위헌인가

Ⅵ. 맺으며