【摘要】：保險(xiǎn)合同是一種典型的附和合同，即投保人、被保險(xiǎn)人對于保險(xiǎn)人提供的格式合同只能選擇接受或者不接受，除此之外并沒有其他的選擇。對于保險(xiǎn)人提供的格式合同,由于它內(nèi)容上含有大量專業(yè)性極強(qiáng)的俗語，使得投保人在購買保險(xiǎn)是難以充分的閱讀理解，而投保人在訂立合同是已經(jīng)根本不可能與保險(xiǎn)人就保單的條款進(jìn)行協(xié)商談判，這就使得保險(xiǎn)合同的相對方從協(xié)商訂立合同時就處于一個非常不利的交易地位，當(dāng)保險(xiǎn)人和保險(xiǎn)相對人就保單條款發(fā)生爭執(zhí)時，按照傳統(tǒng)的保險(xiǎn)合同解釋規(guī)則往往無法完全解決。于是在上世紀(jì)60年代，美國的基頓法官在總結(jié)了20世紀(jì)30年代至70年代眾多保險(xiǎn)法案例的基礎(chǔ)上提出了“合理期待原則”，隨著而來的是在美國大多數(shù)法院開始推行適用，與此同時，美國保險(xiǎn)業(yè)界也開始了一場悄悄的自我革命，保險(xiǎn)業(yè)經(jīng)營者開始重新制定保單內(nèi)容，盡可能的以清晰地語言表述擬定的條款，改良保險(xiǎn)品種等方式自覺顧及到保險(xiǎn)相對人的利益，使得美國的保險(xiǎn)法業(yè)走在了世界的前列，而且也影響了世界其他國家的保險(xiǎn)立法及其變革。 在我國保險(xiǎn)業(yè)起步較晚，保險(xiǎn)法和合同法等相關(guān)立法中對合同解釋原則的規(guī)定也僅停留在傳統(tǒng)的幾個上面，對新興的合理期待原則并沒有涉及，中國的保險(xiǎn)法是否可以借鑒有著濃郁英美法氣息的合理期待原則將是本文主要探討的問題，中國的保險(xiǎn)立法不乏借鑒西方先進(jìn)理論的成功經(jīng)歷，根據(jù)國情有選擇的移植將有利于我國現(xiàn)代法律體系的完善。 本文正文分四個部分： 第一章:保險(xiǎn)法合理期待原則概述，闡述了保險(xiǎn)法合理期待原則產(chǎn)生的背景、提出及發(fā)展，合理期待原則與疑義利益原則的比較等； 第二章：保險(xiǎn)法合理期待原則產(chǎn)生的基礎(chǔ)，，從理論基礎(chǔ)和現(xiàn)實(shí)基礎(chǔ)兩個方面加以闡述； 第三章：保險(xiǎn)法合理期待原則適用的條件，結(jié)合國內(nèi)外關(guān)于研究保險(xiǎn)法合理期待原則的相關(guān)著作和論文，從四個方面歸納出合理期待原則的適用條件； 第四章:保險(xiǎn)法合理期待原則在我國適用的可行性分析，從我國保險(xiǎn)市場的現(xiàn)狀和司法實(shí)踐中遇到的問題入手，提出我國引進(jìn)合理期待原則的可行性。
[Abstract]:Insurance contract is a typical appended contract, that is, policy holder, the insured can only choose to accept or not accept the format contract provided by the insurer, but there is no other choice. For the format contract provided by the insurer, because its content contains a large number of professional and extremely strong idioms, it is difficult for the policyholder to fully read and understand when buying insurance. And the policy holder is no longer able to negotiate the terms of the policy with the insurer in the conclusion of the contract. This makes the opposite party of the insurance contract in a very disadvantageous trading position when negotiating the conclusion of the contract. When the insurer and the insurance counterpart dispute over the terms of the policy, the traditional rules of interpretation of the insurance contract can not be completely resolved. So in the 1960s, Judge Keaton of the United States put forward the "principle of reasonable expectation" on the basis of summing up the numerous cases of insurance law from the 1930s to the 1970s, and as it began to apply in most courts in the United States, At the same time, the American insurance industry also began a quiet self-revolution, insurance operators began to reformulate the content of the policy, as clearly as possible in the language of the proposed terms, The improvement of insurance varieties and other ways consciously take into account the interests of the insurance counterpart, making the insurance law industry in the United States in the forefront of the world, but also affected the insurance legislation of other countries in the world and its changes. In our country, the insurance industry started relatively late, and the regulations on the principles of contract interpretation in the relevant legislation, such as insurance law and contract law, have only stayed in the traditional few, and the emerging principle of reasonable expectation has not been involved. Whether China's insurance law can draw lessons from the principle of reasonable expectation, which has a strong flavor of Anglo-American law, will be the main issue discussed in this paper, and China's insurance legislation will draw lessons from the successful experience of western advanced theories. The selective transplantation according to the national conditions will be beneficial to the perfection of our modern legal system. The text of this paper is divided into four parts: the first chapter: the summary of the principle of reasonable expectation in insurance law, the background of the principle of reasonable expectation of insurance law, its development, and the comparison between the principle of reasonable expectation and the principle of doubtful interest, etc. The second chapter: the basis of the principle of reasonable expectation in insurance law, from the theoretical basis and the practical basis, the third chapter: the application of the principle of reasonable expectation of insurance law conditions, Combined with the relevant works and papers on the principle of reasonable expectation in insurance law at home and abroad, this paper concludes the applicable conditions of the principle of reasonable expectation from four aspects. Chapter four: the feasibility analysis of the application of the principle of reasonable expectation of insurance law in our country. Starting with the present situation of insurance market and the problems encountered in judicial practice, this paper puts forward the feasibility of introducing the principle of reasonable expectation in our country.
【學(xué)位授予單位】：煙臺大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.284

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