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A problemática do homicídio nos contratos de seguro de vida
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Abstract(s)
O presente estudo tem como objeto a problemática emergente do fenómeno do homicídio em contratos de seguro de vida, analisando os desafios e as soluções normativas atuais quando o homicida é um beneficiário direto e indireto do capital do seguro. Partiu-se de uma breve nota histórica sobre os seguros de vida. De seguida, procedeu-se à análise da legislação portuguesa, sobretudo à Lei do Contrato de Seguro Esta dissertação observa a aplicação do artigo 192.º da Lei do Contrato de Seguro, analisa os critérios de aquisição do direito ao capital do seguro e disseca o princípio do interesse segurável. Ademais, atendeu-se à discussão relativa à qualificação do homicídio como morte acidental, evidenciando as consequências desta qualificação para os direitos das partes envolvidas no contrato de seguro. A conclusão é a de que existem ambiguidades quanto ao artigo 192.º, de que são necessários mecanismos complementares de controlo para auferir o interesse segurável e, ainda, um critério uniforme de morte acidental.
The present study focuses on the emerging issue of homicide within life insurance contracts, analyzing the challenges and current regulatory solutions when the killer is a direct or indirect beneficiary of the insurance capital. We begin with a brief historical note on life insurance. Following this, we proceed to analyze Portuguese legislation, particularly the “Lei do Contrato de Seguro”. This dissertation reviews the application of Article 192 of the “Lei do Contrato de Seguro”, analyzes the criteria for the acquisition of the right to insurance capital, and dissects the principle of insurable interest. Additionally, the study addresses the discussion surrounding the classification of homicide as accidental death, highlighting the implications of this classification for the rights of the parties involved in the insurance contract. The conclusion is that there are ambiguities regarding Article 192, that complementary control mechanisms are necessary to assess insurable interest, and that a uniform criterion for accidental death is needed.
The present study focuses on the emerging issue of homicide within life insurance contracts, analyzing the challenges and current regulatory solutions when the killer is a direct or indirect beneficiary of the insurance capital. We begin with a brief historical note on life insurance. Following this, we proceed to analyze Portuguese legislation, particularly the “Lei do Contrato de Seguro”. This dissertation reviews the application of Article 192 of the “Lei do Contrato de Seguro”, analyzes the criteria for the acquisition of the right to insurance capital, and dissects the principle of insurable interest. Additionally, the study addresses the discussion surrounding the classification of homicide as accidental death, highlighting the implications of this classification for the rights of the parties involved in the insurance contract. The conclusion is that there are ambiguities regarding Article 192, that complementary control mechanisms are necessary to assess insurable interest, and that a uniform criterion for accidental death is needed.
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Keywords
Contratos de seguro de vida História do seguro de vida Homicídio Morte acidental Aquisição do direito ao capital do seguro Life insurance contracts Homicide Accidental death Life insurance history Acquisition of the right to insurance capital
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CC License
Without CC licence