| 中文摘要 |
意外保險或傷害保險須符合意外事故，且原因與結果間具備因果關係始得認屬保險範圍，關於意外之定義及要件大致上雖有明確之解釋，然人生變化莫測、瞬息萬變，總有超乎當初預料難以掌握之狀況，因此仍衍生諸多爭議問題。未避免保險公司須承擔原本超出評估之風險，造成保險制度瓦解以及契約當事人地位不對等之情形，我國實務上通常傾向保險公司一方。窒息式性愛與窒息式自慰若發生意外造成死亡事故，保險公司通常不予理賠。法院理由多採取此行為風險事故眾所皆知，欠缺偶然性要件，非屬不可預見之事故，且故意從事危險行為，未避免道德危險之發生，因此判決保險公司不予理賠。不僅於此，尚有高山症等從事高風險活動發生意外，關於意外保險範圍認定之爭議，是否一概認定屬除外責任而免責，仍有考量之空間。
Accident insurance or injury insurance must comply with accidents, and the causation between the cause and the result must be covered by insurance. There are clear explanations about the definition and requirements of the accident. But life is unpredictable and rapidly changing, it is expected that it is difficult to grasp the situation, so it still has many controversial issues. It is unavoidable that the insurance company must bear the risk of exceeding the assessment, resulting in the collapse of the insurance system and the unequal status of the parties to the contract. In practice, courts usually favors the insurance company. Erotic Asphyxiation and Autoerotic Asphyxiation in the event of an accident causing a fatal accident, the insurance company usually does not pay compensation. The court reasoned to take this behavior risk accident is well known, lack of accidental elements, is not an unforeseen accident, and deliberately engage in dangerous behavior, does not avoid the occurrence of moral hazard, so the insurance company is not allowed to claim compensation. In addition to this, there are still accidents involving high-risk activities such as Acute Mountain Sickness, and whether disputes concerning the scope of accident insurance are exempted from liability for exclusion, there is still room for consideration. |
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