【摘要】：人身保險(xiǎn)合同復(fù)效制度是保險(xiǎn)法中重要的、特有的制度,對(duì)保險(xiǎn)合同當(dāng)事人雙方的利益關(guān)系,能夠起到很好的平衡作用。對(duì)投保人而言,是為了轉(zhuǎn)移風(fēng)險(xiǎn),獲得持續(xù)的保險(xiǎn)保障;對(duì)保險(xiǎn)人而言,則穩(wěn)定和維系了客戶資源,節(jié)省了展業(yè)成本,提高了經(jīng)營(yíng)效率。但相對(duì)于我國(guó)保險(xiǎn)業(yè)起步較晚、立法尚不完善的現(xiàn)狀,關(guān)于人身保險(xiǎn)復(fù)效制度的規(guī)定仍顯得簡(jiǎn)單和粗陋,復(fù)效的一些具體規(guī)則與復(fù)效制度應(yīng)有的價(jià)值并不協(xié)調(diào),甚至存在明顯的沖突。因此,導(dǎo)致保險(xiǎn)法律理論和實(shí)務(wù)上對(duì)人身保險(xiǎn)合同復(fù)效制度的規(guī)定存在著很多爭(zhēng)論。為更好地促進(jìn)我國(guó)人身保險(xiǎn)事業(yè)的發(fā)展,為我國(guó)社會(huì)進(jìn)步、經(jīng)濟(jì)繁榮、人民幸福保駕護(hù)航,非常有必要從人身保險(xiǎn)合同復(fù)效制度的價(jià)值出發(fā),重新審視和探討我國(guó)現(xiàn)行做法,并為完善我國(guó)人身保險(xiǎn)合同復(fù)效制度提出積極的、具體的建議和對(duì)策。本文主要針對(duì)人身保險(xiǎn)合同的復(fù)效制度的相關(guān)問(wèn)題進(jìn)行研究分析。論文除緒論和結(jié)論外,共分三章。緒論部分主要對(duì)人身保險(xiǎn)合同復(fù)效制度的背景和意義、國(guó)內(nèi)外研究的現(xiàn)狀、本文的研究思路和研究方法、本文的主要內(nèi)容及創(chuàng)新點(diǎn)等作了簡(jiǎn)要的介紹。第一章人身保險(xiǎn)合同復(fù)效制度的定位,著重分析和論證了人身保險(xiǎn)合同復(fù)效制度對(duì)投保人與保險(xiǎn)人的公平價(jià)值與效率價(jià)值,主張復(fù)效制度的價(jià)值應(yīng)為公平和效率的結(jié)合,兼顧公平與效率。與復(fù)效制度的價(jià)值相協(xié)調(diào),人身保險(xiǎn)合同復(fù)效的性質(zhì)則應(yīng)為原合同說(shuō),而非新合同說(shuō)或特殊合同說(shuō)。第二章我國(guó)人身保險(xiǎn)合同復(fù)效制度的問(wèn)題分析,從同意復(fù)效模式、可保條件、告知義務(wù)、補(bǔ)交保費(fèi)等方面,分析了人身保險(xiǎn)合同的復(fù)效規(guī)則方面的問(wèn)題以及我國(guó)人身保險(xiǎn)合同復(fù)效制度存在的問(wèn)題。第三章我國(guó)人身保險(xiǎn)合同復(fù)效制度的立法完善。本章在第二章分析的基礎(chǔ)上,提出應(yīng)限制縮小保險(xiǎn)人同意的自由,防止保險(xiǎn)人自由裁量權(quán)的增大,進(jìn)而保護(hù)被保險(xiǎn)人的利益;對(duì)于被保險(xiǎn)人可保性進(jìn)行檢查,主要是健康問(wèn)題檢查時(shí),只需履行危險(xiǎn)顯著增加的告知義務(wù)即可;應(yīng)當(dāng)增加投保人補(bǔ)繳保單中止前欠繳保費(fèi)及其利息的規(guī)定,禁止保險(xiǎn)人收取保單效力中止期間的保費(fèi)與利息;擴(kuò)大申請(qǐng)復(fù)效的主體,被保險(xiǎn)人、受益人及其近親屬也應(yīng)有申請(qǐng)保單復(fù)效的權(quán)利;禁止自殺免責(zé)期間與不可抗辯期間在保單復(fù)效時(shí)重新計(jì)算。結(jié)論部分則扼要地歸納和總結(jié)了全文的主要觀點(diǎn)。
[Abstract]:The double effect system of personal insurance contract is an important and unique system in the insurance law, which can balance the interests of both parties in the insurance contract. For the policyholder, it is to transfer risk and obtain continuous insurance protection; for the insurer, it stabilizes and maintains the customer resources, saves the cost of the exhibition industry, and improves the operating efficiency. However, compared with the fact that the insurance industry of our country started relatively late and the legislation is not perfect, the provisions on the life insurance reefficacy system are still simple and crude, and some specific rules of reeffect are not in harmony with the due value of the reeffective system. There is even a clear conflict. Therefore, there is a lot of controversy in the legal theory and practice of life insurance. In order to better promote the development of life insurance in our country, to protect the social progress, economic prosperity and happiness of the people, it is very necessary to re-examine and discuss the current practice of our country from the value of the system of reinstatement of personal insurance contract. And put forward positive, concrete suggestion and countermeasure for perfecting our country life insurance contract duplicate effect system. This paper mainly focuses on the research and analysis of the multiple effect system of life insurance contract. In addition to the introduction and conclusions, the paper is divided into three chapters. The introduction part mainly introduces the background and significance of the life insurance contract double effect system, the present situation of the domestic and foreign research, the research thought and research method, the main content and innovation of this paper and so on. The first chapter focuses on the analysis and demonstration of the fair value and efficiency value of the reefficacy system of the personal insurance contract to the policyholder and the insurer, and argues that the value of the reeffective system should be the combination of fairness and efficiency. Balance fairness and efficiency. In harmony with the value of the reefficacy system, the nature of the life insurance contract should be the original contract theory, not the new contract theory or the special contract theory. The second chapter analyzes the problems of the reefficacy system of the personal insurance contract in China, from the aspects of agreeing to the reefficacy model, insurable conditions, informing obligation, repaying premium and so on. This paper analyzes the problems in the reefficacy rules of personal insurance contracts and the problems existing in the system of reefficacy of personal insurance contracts in China. The third chapter is about the perfection of the legislation of the double effect system of life insurance contract in our country. Based on the analysis of the second chapter, this chapter puts forward that we should limit the freedom of the insurer's consent, prevent the insurer from increasing its discretion, and then protect the interests of the insured. When the insurability of the insured is checked, mainly when the health problem is examined, it is only necessary to fulfill the obligation to inform the insured of the significant increase in the risk; The policy holder shall increase the provisions on overdue premium and interest before the termination of the policy and prohibit the insurer from collecting the premium and interest during the period of suspension of the validity of the policy; To expand the subject of application for reinstatement, the insured, the beneficiary and their close relatives should also have the right to apply for the reinstatement of the policy; it is prohibited to recalculate the period of exemption from suicide and the period of non-defense when the policy is resumed. The conclusion summarizes and summarizes the main points of the paper.
【學(xué)位授予單位】：上海大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.284
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本文編號(hào)：2343264