일본 생명보험 약관에서의 자살 취급에 대하여

• 영문명: On the Suicide Exclusion in Japanese Life Insurance
• 발행기관: 한일경상학회
• 저자명: Toshiaki Yasui(安井敏晃)
• 간행물 정보: 『한일경상논집』제100권, 1~11쪽, 전체 11쪽
• 주제분류: 경제경영 > 경영학
• 파일형태: PDF
• 발행일자: 2023.08.31

영문 초록

Purpose: This study examined suicide risk associated with life insurance in Japan. As paying insurance against the risk of suicide may lead to suicide, we present countermeasures. Research design, data, and methodology: This study examines why suicide is exempt and why insurance pays for suicides by reviewing the literature. Results: The study indicates that to prevent suicide, suicide should be completely exempt from liability for corporate insurance in which the company is a policyholder. Implications: Life Insurers in Japan do not distinguish between cases in which the policyholder is a company or household. In the future, it will be necessary to distinguish between suicide treatment and life insurance.

목차

1. Introduction

2. Exclusion of suicide risk

3. Situation in other countries

4. Characteristics of suicide in Japan and revision of money lending business act

5. Suicide as adverse selection and suicide as moral hazard

6. Effects of exclusion

7. Exclusion of suicide

8. Other measures to prevent suicide

9. Conclusion

References

키워드

Suicide exemption corporate insurance household insurance moral hazard