{"id":3729,"date":"2025-03-05T17:41:25","date_gmt":"2025-03-05T16:41:25","guid":{"rendered":"https:\/\/droit-unikin.net\/anales\/?p=3729"},"modified":"2025-03-05T17:45:06","modified_gmt":"2025-03-05T16:45:06","slug":"consentement-du-mineur-dans-le-contrat-dassurance-en-cas-de-deces-en-droit-congolais","status":"publish","type":"post","link":"https:\/\/droit-unikin.net\/anales\/consentement-du-mineur-dans-le-contrat-dassurance-en-cas-de-deces-en-droit-congolais\/","title":{"rendered":"CONSENTEMENT DU MINEUR DANS LE CONTRAT D\u2019ASSURANCE EN CAS DE DECES EN DROIT CONGOLAIS"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3729\" class=\"elementor elementor-3729\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a5df747 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"4a5df747\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-575abeba\" data-id=\"575abeba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6e9706cb elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"6e9706cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-22b16d7c\" data-id=\"22b16d7c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-181fcaca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"181fcaca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONSENTEMENT DU MINEUR DANS LE CONTRAT D\u2019ASSURANCE EN CAS DE DECES EN DROIT CONGOLAIS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-16203673\" data-id=\"16203673\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-164aef0f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"164aef0f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/droit-unikin.net\/anales\/wp-content\/uploads\/2025\/03\/Prof-MBUYI_Consentement-mineur-contrat-dassurence.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">T\u00e9l\u00e9chargez l'article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e74d1bb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e74d1bb\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-edit\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Timoth\u00e9e MBUYI BETUKUSU<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7734a78 elementor-widget elementor-widget-text-editor\" data-id=\"7734a78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><em>Doyen de la Facult\u00e9 de Droit de l\u2019Universit\u00e9 de Kinshasa<\/em><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-427429e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"427429e2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5d60744e\" data-id=\"5d60744e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79f12e05 elementor-widget elementor-widget-heading\" data-id=\"79f12e05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">R\u00e9sum\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c49be1 elementor-widget elementor-widget-text-editor\" data-id=\"22c49be1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Le consentement non vici\u00e9, et l\u2019aptitude d\u2019exercer personnellement ses droits font partie des conditions l\u00e9gales de validit\u00e9 d\u2019un contrat. De ce fait, transiger, vendre, acheter, donner, renoncer \u00e0 un droit\u2026sont des activit\u00e9s juridiques importantes dont l\u2019accomplissement pr\u00e9sente parfois des dangers sur le patrimoine de celui qui l\u2019accomplit. <\/em><\/p><p><em>Raison pour laquelle le l\u00e9gislateur a d\u00e9cid\u00e9 d\u2019en r\u00e9server l\u2019acc\u00e8s uniquement aux personnes qui sont en mesure de comprendre raisonnablement la port\u00e9e des actes qu\u2019elles posent. Ainsi, le d\u00e9faut de justifier d\u2019une maturit\u00e9 av\u00e9r\u00e9e<\/em><a href=\"#_ftn1\" name=\"_ftnref1\"><em><sup><strong>[1]<\/strong><\/sup><\/em><\/a><em>, \u00a0la loi place les mineurs sauf d\u00e9rogation parmi les personnes incapables, et par cons\u00e9quent tous les actes juridiques ayant une incidence directe ou un indirecte sur le patrimoine d\u2019un mineur doivent \u00eatre \u00e9tablis que si ce dernier est repr\u00e9sent\u00e9 soit par son parent, tuteur ou son curateur. Plac\u00e9s parmi les incapables \u00e0 l\u2019article 215 Code de la famille, les mineurs sont sous le r\u00e9gime de repr\u00e9sentation. <\/em><\/p><p><em>Par ailleurs, en mani\u00e8re d\u2019assurance en cas de d\u00e9c\u00e8s sur la t\u00eate d\u2019un mineur de moins de 12 ans, le l\u00e9gislateur du Code des assurances de 2015 assujettit la validit\u00e9 de ce contrat au consentement du mineur pour des raisons non l\u00e9galement r\u00e9v\u00e9l\u00e9es. <\/em><\/p><p><em>Ainsi, la pr\u00e9sence \u00e9tude, s\u2019est employ\u00e9, \u00e0 r\u00e9v\u00e9ler ces raisons qui d\u2019ailleurs, se compactent dans l\u2019int\u00e9r\u00eat sup\u00e9rieur de l\u2019enfant, surtout la protection des enfants dont l\u2019\u00e9tat de sant\u00e9 est sujet de d\u00e9penses dans le chef des parents. Pour parer aux intentions nuisibles du tuteur ou du curateur de l\u2019enfant. L\u2019enfant \u00e9tant titulaire des droits et obligations, un tel consentement ne pourrait valablement \u00eatre donn\u00e9 qu\u2019en pr\u00e9sence de son juge naturel, le Tribunal pour enfant qui est constitutionnellement gardien de droits et libert\u00e9s de l\u2019enfant.<\/em><\/p><p><strong><em>Mots cl\u00e9s\u00a0:<\/em><\/strong><em> Enfants, consentement, capacit\u00e9, incapacit\u00e9, assurance en cas de d\u00e9c\u00e8s, souscripteur, b\u00e9n\u00e9ficiaire, assureur<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5e7185d0\" data-id=\"5e7185d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e163d88 elementor-widget elementor-widget-heading\" data-id=\"5e163d88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1f16c4 elementor-widget elementor-widget-text-editor\" data-id=\"c1f16c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Unvulnerable consent and the ability to exercise one&#8217;s rights personally are among the legal conditions for the validity of a contract. As a result, dealing, selling, buying, donating, waiving rights&#8230; are all important legal activities, which can sometimes be dangerous for the assets of the person carrying them out. For this reason, the legislator has decided to restrict access to them to those who are in a position to reasonably understand the scope of the acts they are carrying out. <\/em><\/p><p><em>As a result, all legal acts having a direct or indirect impact on a minor&#8217;s patrimony must be drawn up only if the minor is represented by his or her parent, guardian or curator. Under article 215 of the Family Code, minors are classified as incompetent, and are therefore subject to representation. Furthermore, in the case of insurance in the event of death on the life of a minor under the age of 12, the legislator of the 2015 Insurance Code subjects the validity of this contract to the consent of the minor for reasons not legally revealed. <\/em><\/p><p><em>The present study has therefore endeavoured to reveal these reasons, which are all in the best interests of the child, especially the protection of children whose state of health is a source of expense for their parents. To ward off the harmful intentions of the child&#8217;s guardian or curator. <\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CONSENTEMENT DU MINEUR DANS LE CONTRAT D\u2019ASSURANCE EN CAS DE DECES EN DROIT CONGOLAIS T\u00e9l\u00e9chargez l&#8217;article Timoth\u00e9e MBUYI BETUKUSU Doyen de la Facult\u00e9 de Droit de l\u2019Universit\u00e9 de Kinshasa R\u00e9sum\u00e9 Le consentement non vici\u00e9, et l\u2019aptitude d\u2019exercer personnellement ses droits font partie des conditions l\u00e9gales de validit\u00e9 d\u2019un contrat. De ce fait, transiger, vendre, acheter, donner, renoncer \u00e0 un droit\u2026sont des activit\u00e9s juridiques importantes dont l\u2019accomplissement pr\u00e9sente parfois des dangers sur le patrimoine de celui qui l\u2019accomplit. Raison pour laquelle le l\u00e9gislateur a d\u00e9cid\u00e9 d\u2019en r\u00e9server l\u2019acc\u00e8s uniquement aux personnes qui sont en mesure de comprendre raisonnablement la port\u00e9e des actes qu\u2019elles posent. Ainsi, le d\u00e9faut de justifier d\u2019une maturit\u00e9 av\u00e9r\u00e9e[1], \u00a0la loi place les mineurs sauf d\u00e9rogation parmi les personnes incapables, et par cons\u00e9quent tous les actes juridiques ayant une incidence directe ou un indirecte sur le patrimoine d\u2019un mineur doivent \u00eatre \u00e9tablis que si ce dernier est repr\u00e9sent\u00e9 soit par son parent, tuteur ou son curateur. Plac\u00e9s parmi les incapables \u00e0 l\u2019article 215 Code de la famille, les mineurs sont sous le r\u00e9gime de repr\u00e9sentation. Par ailleurs, en mani\u00e8re d\u2019assurance en cas de d\u00e9c\u00e8s sur la t\u00eate d\u2019un mineur de moins de 12 ans, le l\u00e9gislateur du Code des assurances de 2015 assujettit la validit\u00e9 de ce contrat au consentement du mineur pour des raisons non l\u00e9galement r\u00e9v\u00e9l\u00e9es. Ainsi, la pr\u00e9sence \u00e9tude, s\u2019est employ\u00e9, \u00e0 r\u00e9v\u00e9ler ces raisons qui d\u2019ailleurs, se compactent dans l\u2019int\u00e9r\u00eat sup\u00e9rieur de l\u2019enfant, surtout la protection des enfants dont l\u2019\u00e9tat de sant\u00e9 est sujet de d\u00e9penses dans le chef des parents. Pour parer aux intentions nuisibles du tuteur ou du curateur de l\u2019enfant. L\u2019enfant \u00e9tant titulaire des droits et obligations, un tel consentement ne pourrait valablement \u00eatre donn\u00e9 qu\u2019en pr\u00e9sence de son juge naturel, le Tribunal pour enfant qui est constitutionnellement gardien de droits et libert\u00e9s de l\u2019enfant. Mots cl\u00e9s\u00a0: Enfants, consentement, capacit\u00e9, incapacit\u00e9, assurance en cas de d\u00e9c\u00e8s, souscripteur, b\u00e9n\u00e9ficiaire, assureur Abstract Unvulnerable consent and the ability to exercise one&#8217;s rights personally are among the legal conditions for the validity of a contract. As a result, dealing, selling, buying, donating, waiving rights&#8230; are all important legal activities, which can sometimes be dangerous for the assets of the person carrying them out. For this reason, the legislator has decided to restrict access to them to those who are in a position to reasonably understand the scope of the acts they are carrying out. As a result, all legal acts having a direct or indirect impact on a minor&#8217;s patrimony must be drawn up only if the minor is represented by his or her parent, guardian or curator. Under article 215 of the Family Code, minors are classified as incompetent, and are therefore subject to representation. Furthermore, in the case of insurance in the event of death on the life of a minor under the age of 12, the legislator of the 2015 Insurance Code subjects the validity of this contract to the consent of the minor for reasons not legally revealed. The present study has therefore endeavoured to reveal these reasons, which are all in the best interests of the child, especially the protection of children whose state of health is a source of expense for their parents. To ward off the harmful intentions of the child&#8217;s guardian or curator.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-3729","post","type-post","status-publish","format-standard","hentry","category-annales-19-20"],"_links":{"self":[{"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/posts\/3729","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/comments?post=3729"}],"version-history":[{"count":4,"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/posts\/3729\/revisions"}],"predecessor-version":[{"id":3735,"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/posts\/3729\/revisions\/3735"}],"wp:attachment":[{"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/media?parent=3729"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/categories?post=3729"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/droit-unikin.net\/anales\/wp-json\/wp\/v2\/tags?post=3729"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}