發(fā)布時間：2019-06-28 13:44

【摘要】：旨在運(yùn)用利益衡量的方法對壽險核保期被保險人意外身故所導(dǎo)致的法律問題進(jìn)行研究。實(shí)踐中,現(xiàn)行法院的解釋不盡如人意。保險公司推出的臨時保險條款雖然在一定程度上緩解了保險當(dāng)事人雙方之間的矛盾,但總的來說,普通壽險暫保單制度并無必要,而無條件臨時保險制度則不可行。壽險合同本質(zhì)上為附生效條件合同。保險消費(fèi)者應(yīng)獲得承諾權(quán),以制衡保險人的定價權(quán),從而實(shí)現(xiàn)保險當(dāng)事人之間的利益平衡。
[Abstract]:The purpose of this paper is to study the legal problems caused by the accidental death of the insured in the life insurance period by means of interest measurement. In practice, the current court interpretation is not satisfactory. Although the temporary insurance clauses put forward by insurance companies alleviate the contradiction between the two parties to a certain extent, generally speaking, the general life insurance temporary policy system is not necessary, while the unconditional temporary insurance system is not feasible. Life insurance contract is essentially a contract with effective conditions. Insurance consumers should obtain the right of commitment to check and balance the pricing power of insurers, so as to achieve the balance of interests between insurance parties.
【作者單位】： 上海大學(xué)經(jīng)濟(jì)學(xué)院;
【基金】：國家社科基金規(guī)劃項(xiàng)目:“利益平衡視野下壽險核保期風(fēng)險分擔(dān)法律問題研究”(11BFX034)
【分類號】：D922.284

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