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一、本案要点现行《中华人民共和国保险法》(以下简称《保险法》)赋予了投保人保险合同解除权以及保险人在特定情形下对合同的法定解除权,然未明确规定投保人身故后合同解除权的相关问题。本案就保险合同解除权问题引发了保险人在投保人死亡后是否应该承担免缴保险费责任、Y2是否可以继承投保人的资格去行使合同解除权等一系列纠纷。
First, the essentials of the case The current “People’s Republic of China Insurance Law” (hereinafter referred to as “Insurance Law”) gives the policy holder the right to terminate the insurance contract and the insurer in a particular case of the statutory lifting of the contract, but did not clearly stipulate the applicant’s death after the contract Relevant issues of the right of cancellation. The case of the right to terminate the insurance contract triggered the insurer after the death of the applicant should bear the responsibility for exemption from insurance premiums, Y2 can inherit the qualifications of the insured to exercise the right to terminate the contract and a series of disputes.