论《消保法》惩罚性赔偿规则在保险人不当理赔中的适用

The Application of the Consumer Protection Law’s Punitive Damages Rule to Insurers’ Bad Faith and Unfair Claims Settlement

摘要: 保险理赔难的问题亟待解决，惩罚性赔偿机制的引入可以有效缓解现有制度规制无力和救济不足的难题。本文从我国保险领域适用《消保法》惩罚性赔偿的司法适用现状出发，发现保险理赔环节直接适用《消保法》第五十五条之规定可能存在部分保险相对人难以获得消费者的主体资格、不当理赔行为难以被认定为欺诈和固定的赔偿模式无法发挥惩罚性赔偿功能等适用障碍，并提出了相应的完善建议，有助于解决保险理赔难的问题。

Abstract: The problem of difficult insurance claims has yet to be solved, and the introduction of a punitive damages mechanism can effectively alleviate the difficulties of the existing system’s weak regulation and insufficient relief. This article from the insurance field in China to apply the “Consumer Protection Law” punitive damages of the judicial application of the status quo, found that the insurance claims link direct application of the “Consumer Protection Law” Article 55 of the provisions of some of the insurance counterparty may be difficult to obtain the consumer’s subjective qualification, the improper settlement of claims is difficult to be recognized as fraud and the fixed compensation model can not play the punitive damages function of the obstacles to the application of the insurance claim, and puts forward the corresponding recommendations for the improvement of the insurance claims, which will help to solve the problem of difficult insurance claim settlement.