【摘要】：隨著社會(huì)的進(jìn)步,保險(xiǎn)這個(gè)名詞越來(lái)越頻繁的出現(xiàn)到普通百姓的生活中,人們開(kāi)始關(guān)注保險(xiǎn),了解保險(xiǎn),并希望通過(guò)保險(xiǎn)這一商業(yè)行為來(lái)減少生活中可能遇到的風(fēng)險(xiǎn),因此出現(xiàn)了越來(lái)越多的保險(xiǎn)法律問(wèn)題,保險(xiǎn)也越來(lái)越受到法學(xué)界和法律工作者的關(guān)注,而其中人身保險(xiǎn)合同復(fù)效制度就是一個(gè)重要的關(guān)注點(diǎn)。人身保險(xiǎn)合同的持續(xù)時(shí)間普遍都比較長(zhǎng),在這個(gè)過(guò)程中,難免會(huì)出現(xiàn)因投保人一時(shí)的疏忽或者因?yàn)槠渌蚨醇皶r(shí)繳納保費(fèi)的情況,這樣很可能會(huì)造成原保險(xiǎn)合同中止。復(fù)效制度的設(shè)立目的就是為了避免投保人長(zhǎng)期投資利益受損,平衡保險(xiǎn)合同雙方的利益,追求雙方利益的最大化。2009年10月1日,重新修訂保險(xiǎn)法正式施行。該法的正式施行,不僅僅是我國(guó)保險(xiǎn)法發(fā)展的巨大進(jìn)步,也是完善我國(guó)市場(chǎng)經(jīng)濟(jì)法律體系的重要措施。對(duì)于規(guī)范投保人、保險(xiǎn)人、被保險(xiǎn)人的行為,保護(hù)其合法權(quán)益,加大對(duì)保險(xiǎn)行業(yè)的監(jiān)管,促進(jìn)保險(xiǎn)行業(yè)的進(jìn)一步發(fā)展起到了深刻而長(zhǎng)遠(yuǎn)的影響。但是法律的生命在于實(shí)施。針對(duì)保險(xiǎn)實(shí)務(wù)中遇到的問(wèn)題,有關(guān)部門又發(fā)布了一系列的配套措施,如《保險(xiǎn)公司管理規(guī)定》、《保險(xiǎn)專業(yè)代理機(jī)構(gòu)監(jiān)管規(guī)定》、《保險(xiǎn)公估機(jī)構(gòu)監(jiān)管規(guī)定》等,這些規(guī)定既提高其可操作性,又解決了很多保險(xiǎn)實(shí)務(wù)中的問(wèn)題。復(fù)效制度作為一項(xiàng)特有制度被明確規(guī)定在我國(guó)《保險(xiǎn)法》第三十六、第三十七條中,但是由于內(nèi)容比較簡(jiǎn)略,并不利于實(shí)際操作,且在實(shí)務(wù)應(yīng)用過(guò)程中出現(xiàn)了很多問(wèn)題,因此最高人民法院又在《保險(xiǎn)法解釋(三)》第八條對(duì)遇到的問(wèn)題作出了明確的規(guī)定。本文采取法解釋學(xué)、比較研究等寫(xiě)作方法,以我國(guó)現(xiàn)行的保險(xiǎn)法和保險(xiǎn)法司法解釋作為基礎(chǔ),同時(shí)參考美國(guó)、日本、我國(guó)臺(tái)灣地區(qū)等國(guó)家地區(qū)的立法和司法實(shí)務(wù),對(duì)保險(xiǎn)合同的中止制度、復(fù)效制度等進(jìn)行解釋分析,同時(shí)提出一些更適合當(dāng)前保險(xiǎn)實(shí)務(wù)的意見(jiàn)。本文共分成四個(gè)部分。第一部分具體闡述保險(xiǎn)合同復(fù)效制度的含義,復(fù)效后保險(xiǎn)合同的法律性質(zhì),以及復(fù)效制度的立法價(jià)值。第二部分,是本文最重要的一部分。通過(guò)對(duì)保險(xiǎn)法第三十六和三十七條進(jìn)行文理解釋,來(lái)闡明中止制度和寬限期制度是什么、保險(xiǎn)合同復(fù)效的適用程序、復(fù)效期間經(jīng)過(guò)的法律效果、復(fù)效制度與自殺條款、以及補(bǔ)繳保險(xiǎn)費(fèi)和利息的問(wèn)題,通過(guò)多個(gè)角度的具體闡述,可以更好的理解我國(guó)保險(xiǎn)合同復(fù)效制度的規(guī)定。第三部分,也是本文重點(diǎn)介紹的一部分。通過(guò)對(duì)《保險(xiǎn)法司法解釋(三)》第八條的規(guī)定和保險(xiǎn)實(shí)務(wù)進(jìn)行分析,提出了“被保險(xiǎn)人的危險(xiǎn)程度顯著增加”、“中止期間”的認(rèn)定困難等問(wèn)題,為保險(xiǎn)實(shí)務(wù)如何適用該司法解釋的規(guī)定,提供了一些幫助。第四章,是總結(jié)本文的觀點(diǎn),得出結(jié)論,并針對(duì)具體問(wèn)題,提出一些有建設(shè)性的建議與法律修改方案。
[Abstract]:With the progress of society, the term "insurance" appears more and more frequently in the lives of ordinary people. People begin to pay attention to insurance, understand insurance, and hope to reduce the risks that may be encountered in life through the commercial behavior of insurance. Therefore, there are more and more legal problems of insurance, and insurance has been paid more and more attention by law scholars and legal workers, and the rehabilitation system of personal insurance contracts is an important concern. The duration of the life insurance contract is generally relatively long, in this process, it is inevitable that due to the temporary negligence of the policy-holder or due to other reasons and not pay the premium in time, this may lead to the termination of the original insurance contract. The purpose of the rehabilitation system is to avoid damage to the long-term investment interests of the insured, to balance the interests of both sides of the insurance contract, and to pursue the maximization of the interests of both sides. On October 1, 2009, the insurance law was re-amended and formally put into effect. The formal implementation of this law is not only a great progress in the development of China's insurance law, but also an important measure to perfect the legal system of China's market economy. To regulate the behavior of the insured, the insurer and the insured, to protect their legitimate rights and interests, to strengthen the supervision of the insurance industry, to promote the further development of the insurance industry has played a profound and long-term impact. But the life of the law lies in enforcement. In view of the problems encountered in insurance practice, the relevant departments have also issued a series of supporting measures, such as the regulations on the Management of Insurance companies, the regulations on Supervision of specialized Insurance agencies, and the regulations on Supervision of Insurance Appraisal institutions, and so on. These regulations not only improve its maneuverability, but also solve many problems in insurance practice. As a unique system, the compound effect system is clearly stipulated in articles 36 and 37 of the Insurance Law of our country, but because of its relatively simple content, it is not conducive to practical operation, and there are many problems in the process of practical application. Therefore, the Supreme people's Court also made clear provisions on the problems encountered in Article 8 of interpretation of Insurance Law. This paper adopts the methods of legal hermeneutics and comparative study, based on the current insurance law and judicial interpretation of insurance law in our country, and makes reference to the legislative and judicial practice of the United States, Japan, Taiwan and other countries in the United States, Japan, Taiwan and other countries. This paper explains and analyzes the suspension system and the effect system of insurance contract, and puts forward some suggestions which are more suitable for the current insurance practice. This paper is divided into four parts. The first part expounds the meaning of the system of the effect of insurance contract, the legal nature of the insurance contract after the effect, and the legislative value of the system. The second part is the most important part of this paper. By interpreting articles 36 and 37 of the Insurance Law, this paper clarifies what the suspension system and the grace period system are, the applicable procedures for the reinstatement of insurance contracts, the legal effects passed during the period of reinstatement, the rehabilitation system and the suicide clause, As well as the issue of premium and interest, through the specific elaboration of many angles, we can better understand the provisions of China's insurance contract effect system. The third part is also the key part of this article. Based on the analysis of the provisions of Article 8 of the Judicial interpretation of Insurance Law (3) and the insurance practice, this paper puts forward the problems of "the danger degree of the insured increasing significantly" and the difficulty in determining the "period of suspension", and so on. Some help has been provided for how insurance practice applies the provisions of this judicial interpretation. The fourth chapter is to summarize the point of view of this paper, draw a conclusion, and put forward some constructive suggestions and legal amendments to specific problems.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.284

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本文編號(hào)：2449108