【摘要】：若投保人延期繳納除首期保費(fèi)外其他各期保費(fèi),合同效力將經(jīng)保險(xiǎn)人催告中止或經(jīng)過法定期間自動中止,中止后經(jīng)保險(xiǎn)人同意并由申請人補(bǔ)繳保險(xiǎn)費(fèi)后效力恢復(fù)。我國《保險(xiǎn)法》對復(fù)效的構(gòu)成要件上采取保險(xiǎn)人同意模式,保險(xiǎn)人掌握著復(fù)效的決定權(quán);復(fù)效程序上對復(fù)效申請?jiān)O(shè)置主體和時(shí)間的雙重限制,補(bǔ)繳的保險(xiǎn)費(fèi)范圍也尚不明確。即使《保險(xiǎn)法司法解釋三》第8條從復(fù)效條件和程序上限制了保險(xiǎn)人的同意權(quán),但由于立法的矛盾與疏漏,合同復(fù)效制度仍處于甚少適用甚至難以適用的尷尬處境;再者中止與復(fù)效規(guī)則的性質(zhì)較為模糊,當(dāng)事人關(guān)于排除該制度的適用或?qū)Ψ梢?guī)定的期限、條件等予以變更的約定的效力不明確;關(guān)于合同復(fù)效的時(shí)點(diǎn),復(fù)效后合同是否可以再次適用中止與復(fù)效的規(guī)則,復(fù)效時(shí)點(diǎn)對特殊期間的起算有無影響,立法均未給出答案。針對上述問題,首先,必須明確中止與復(fù)效規(guī)則的性質(zhì)。作為法律對投保人的兜底救濟(jì)條款,應(yīng)認(rèn)定其為半強(qiáng)制條款,當(dāng)事人不得作出不利于被保險(xiǎn)人的約定。其次,完善合同復(fù)效的構(gòu)成要件。明確保險(xiǎn)人的催告責(zé)任,限制保險(xiǎn)人的同意權(quán),僅于被保險(xiǎn)人不符合“一般理性保險(xiǎn)人標(biāo)準(zhǔn)”的可保條件時(shí),保險(xiǎn)人才可拒絕復(fù)效。再次,規(guī)范復(fù)效申請的程序。擴(kuò)大復(fù)效申請的主體范圍,放寬復(fù)效申請的時(shí)間限制,確立申請人的如實(shí)告知義務(wù),明確保險(xiǎn)人及時(shí)審核的責(zé)任并確定應(yīng)當(dāng)補(bǔ)繳的保險(xiǎn)費(fèi)范圍。最后,彌補(bǔ)法律對復(fù)效法律效果的立法空白。統(tǒng)一合同效力恢復(fù)的時(shí)點(diǎn),明確復(fù)效后的保險(xiǎn)合同性質(zhì)為原合同的繼續(xù),可以再次適用中止與復(fù)效規(guī)則,復(fù)效后的寬限期起算不受復(fù)效日之影響,不可抗辯期間和自殺免責(zé)期間應(yīng)當(dāng)自保險(xiǎn)合同復(fù)效之日重新起算。通過對上述立法上的爭議與空白進(jìn)行不斷的探討,完善人身保險(xiǎn)合同復(fù)效制度,平衡投保人、被保險(xiǎn)人、受益人及保險(xiǎn)人的利益,實(shí)現(xiàn)制度的社會保障功能,促進(jìn)保險(xiǎn)行業(yè)的發(fā)展。
[Abstract]:If the applicant deferring the payment of the premium other than the initial premium, the validity of the contract shall be suspended by the insurer or automatically suspended through the statutory period, and the validity of the contract shall be restored after the suspension with the consent of the insurer and the replacement of the premium by the applicant. The insurance law of our country adopts the mode of the insurer's consent to the constitutive elements of the reefficacy, the insurer holds the decision of the reeffect, the double restriction of the subject and the time of the application for the reefficacy in the procedure of the reefficacy, and the scope of the premium paid up is still unclear. Even Article 8 of the "Judicial interpretation of Insurance Law" restricts the insurer's right of consent in terms of the conditions and procedures of revalidity, but because of the contradictions and omissions of the legislation, the system of contract revalidity is still in an awkward situation that is seldom applied or even difficult to apply. Furthermore, the nature of the rules of suspension and repetition is rather vague, and the validity of the agreement to exclude the application of the system or the time limit and conditions stipulated by the law is not clear; the time point of the revalidity of the contract is not clear. Whether the contract can again apply the rules of suspension and effect, whether the time point of reinstatement has an effect on the beginning of a special period, and whether the legislation has not given an answer. To solve the above problems, first of all, it is necessary to clarify the nature of the rule of suspension and repetition. As the legal relief clause for the insured, it should be regarded as a semi-compulsory clause, and the parties should not make an agreement against the insured. Secondly, perfect the constitution of the contract. When the insurant does not meet the insurable condition of "general rational insurer standard", the insurance talent can refuse to retake the effect if the responsibility of the insurer is clear and the right to consent of the insurer is limited. Again, standardize the procedure of the application. Expanding the scope of the main body of the reeffective application, relaxing the time limit of the application, establishing the truthful obligation of informing the applicant, clarifying the responsibility of the insurer to examine and verify in time, and determining the scope of the premium that should be paid up. Finally, to make up for the legal effect of the legislative blank. To unify the time point of the restoration of the validity of the contract, to make it clear that the nature of the insurance contract after the reinstatement is the continuation of the original contract, the rules of suspension and revalidity may be applied again, and the grace period after the resumption of the contract shall not be affected by the date of the reinstatement. The non-defensible period and the suicide exemption period shall be recounted from the date of the reinstatement of the insurance contract. Through the discussion of the disputes and gaps in the above legislation, we can perfect the system of life insurance contract, balance the interests of the policyholder, the insured, the beneficiary and the insurer, and realize the social security function of the system. Promote the development of insurance industry.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D922.284

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 趙橋梁;;保險(xiǎn)合同復(fù)效法律法規(guī)及相關(guān)司法解釋之探討[J];上海保險(xiǎn);2016年02期

2 劉振;;保險(xiǎn)合同復(fù)效制度適用研究——以《最高人民法院關(guān)于適用〈中華人民共和國保險(xiǎn)法〉若干問題的解釋(三)》第8條為中心展開[J];法律適用;2016年02期

3 李環(huán)宇;;人身保險(xiǎn)合同復(fù)效決策分析[J];中國保險(xiǎn);2012年09期

4 王學(xué)冉;;我國新《保險(xiǎn)法》復(fù)效制度探析[J];中國保險(xiǎn);2012年09期

5 王仰光;;人身保險(xiǎn)合同的中止與復(fù)效制度研究[J];宿州學(xué)院學(xué)報(bào);2012年03期

6 梁鵬;;保險(xiǎn)合同復(fù)效制度比較研究[J];環(huán)球法律評論;2011年05期

7 吳偉央;高宇;;壽險(xiǎn)合同復(fù)效之立法變動及規(guī)范方向[J];保險(xiǎn)研究;2009年10期

8 樊啟榮;;人壽保險(xiǎn)合同之自殺條款研究——以2009年修訂的《中華人民共和保險(xiǎn)法》第44條為分析對象[J];法商研究;2009年05期

9 劉志東;;壽險(xiǎn)復(fù)效條款研究[J];保險(xiǎn)研究;2008年09期

10 姬文娟;;論我國保險(xiǎn)合同復(fù)效制度中的若干問題[J];上海保險(xiǎn);2008年01期

相關(guān)碩士學(xué)位論文 前2條

1 劉t，

本文編號：2256179