营业中断险就疫情的赔付将出现转机？

背景

自新冠疫情以来，澳洲的保险公司基本未对其商业保险中的营业中断险部分进行过赔偿。

营业中断险的承保范围，明确了对检疫法(Quarantine Act 1908)或/和生物安全法(Biosecurity Act 2015)中所列明的，如高致病性禽流感等传染疾病的免责条款。而此次新冠病毒，已于2020年1月21日被澳洲政府列为了生物安全法(Biosecurity Act 2015)的适用对象。

澳洲的保险市场中，几乎所有的商业保险以及独立的营业中断保险，均含有以上提及的免责条款。

转机

8月21日，新南威尔士最高等法院正式受理了，由澳洲保险理事会(Insurance Council of Australia)和澳洲金融投诉局(Australian FinancialComplaints Authority)联合递交的测试案例(Test Case)。9月4日，此测试案例正式进入上诉法院，而听证会也将在10月2日开始。

澳洲保险理事会的CEO，Andrew Hall表示：

“我们很高兴此测试案例的听证会将很快进行。其最后的审理结果，可以使被保险人、保险公司和监管机构对因此次疫情所产生的相关保险索赔结果，变得更加清晰。”

争议

检疫法(Quarantine Act 1908)在2015年被生物安全法(Biosecurity Act 2015)所取代，并于2016年6月被废除。然而一些保险公司的保单条款中，仍然使用防疫法(Quarantine Act 1908)作为其依据。

此次测试案例，将就这一争议进行审理。并且下一步，法院还会讨论对是否根据生物安全法(Biosecurity Act 2015)确定的被列为人类疾病的“免责”是否有效。

于此同时，联邦法院在9月8日也举行首次案件管理听证会，以听取由星娱乐集团(Star Entertainment Group)针对安达保险(Chubb Insurance)和其共保保险公司发起的商业中断(Business Interruption)的诉讼。

结语

我们认为，此项测试案例将具有至关重要的意义。案例审理结果，将明确地解决关于营业中断险所承保范围的问题，以期使包括企业和保险公司在内的所有利益相关者都具有确定性。

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本文内容不构成保险意见，并非专业的法律建议，不应完全依赖文中内容。本文仅用于概述总结关注事项，

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