本文關(guān)鍵詞： 重復(fù)保險 損失補償原則 構(gòu)成要件 適用范圍　出處：《華東政法大學(xué)》2010年碩士論文　論文類型：學(xué)位論文

【摘要】： 重復(fù)保險是損失補償原則的重要體現(xiàn),也是我國保險法中一個很重要的制度。該制度的設(shè)立主要是為了確保被保險人的損害得到補償,同時又能有效防止被保險人利用保險制度獲得額外的不當(dāng)利益,避免發(fā)生道德風(fēng)險,以確保保險制度的良性運行。 我國《保險法》第56條、《海商法》第225條中規(guī)定了重復(fù)保險相關(guān)制度,筆者認為兩法的規(guī)定過于簡單而且在具體內(nèi)容上也有欠缺,因此,有必要通過進一步研究,不斷完善重復(fù)保險相關(guān)制度。 本文將依據(jù)保險法理論,通過對我國重復(fù)保險制度相關(guān)法律問題加以評析、論述,并借鑒國外的保險立法經(jīng)驗,對我國重復(fù)保險的不足之處提出修改建議,以進一步完善該制度。本文由以下五個部分組成。 第一部分是關(guān)于重復(fù)保險的概述。重復(fù)保險的立法目的在于防止不當(dāng)?shù)美�。我國新修訂的《保險法》改變了過去的定義,采納了狹義說,統(tǒng)一了我國《保險法》和《海商法》關(guān)于重復(fù)保險的定義。本文將在這一部分對重復(fù)保險定義進行論述,并提出自己的觀點。 第二部分是關(guān)于重復(fù)保險的構(gòu)成要件研究。本文在這一部分將對以下七個要件逐一進行研討:同一被保險人、同一保險事故、同一保險標(biāo)的、同一保險利益、同一保險期間、向兩個以上保險人訂立兩個以上保險合同以及保險金額總和須超過保險價值。 第三部分是關(guān)于重復(fù)保險的適用范圍研討。圍繞重復(fù)保險是否適用于人身保險,筆者客觀地介紹了三種不同觀點并進行評析,提出了自己的立場。 第四部分為重復(fù)保險法律效力及重復(fù)保險中投保人通知義務(wù)的研究。其中重復(fù)保險的對內(nèi)效力包括被保險人的索賠權(quán)和保費返還請求權(quán),對外效力指的是各保險人分攤權(quán)和追償權(quán)。此外,筆者認為對于違反通知義務(wù)之法律后果,我國立法應(yīng)當(dāng)區(qū)分投保人主觀惡意和善意,做出不同的規(guī)定。 第五部分是筆者對完善我國重復(fù)保險制度的幾點建議。主要涉及重復(fù)保險的構(gòu)成要件、適用范圍、通知義務(wù)、重復(fù)保險合同的法律效力以及各保險人間的責(zé)任承擔(dān)方式等幾個方面。
[Abstract]:Duplicate insurance is an important embodiment of the principle of compensation for losses and a very important system in the insurance law of our country. At the same time, it can effectively prevent the insured from making use of the insurance system to obtain extra improper benefits and avoid the moral hazard, so as to ensure the benign operation of the insurance system. Article 56 of the Insurance Law of China and Article 225 of the Maritime Law provide for the system of duplicate insurance. The author thinks that the provisions of the two laws are too simple and lacking in specific contents. Therefore, it is necessary to further study them. Continue to improve the duplication of insurance related systems. According to the theory of insurance law, this paper analyzes and discusses the relevant legal problems of our country's duplicate insurance system, and draws lessons from the experience of foreign insurance legislation, and puts forward some suggestions to amend the deficiency of our country's duplicate insurance. In order to further improve the system. This paper consists of the following five parts. The first part is an overview of duplicate insurance. The legislative purpose of duplicate insurance is to prevent undue enrichment. The newly revised Insurance Law of our country has changed the former definition and adopted the narrow sense. This paper unifies the definitions of duplicate insurance in China's Insurance Law and Maritime Law. In this part, the definition of duplicate insurance is discussed and its own viewpoint is put forward. The second part is about the study of the constitutive elements of duplicate insurance. In this part, the following seven elements will be studied one by one: the same insured, the same insured accident, the same subject matter insured, the same insurable interest, the same insurance period, More than two insurance contracts with more than two insurers and the total amount insured shall exceed the insured value. The third part is about the scope of application of duplicate insurance. Around whether duplicate insurance is applicable to personal insurance, the author objectively introduces three different views and comments, and puts forward his own position. The 4th part is the study of the legal effect of duplicate insurance and the notice obligation of policyholder in duplicate insurance. The internal effect of duplicate insurance includes the claim right of insurant and the claim right of premium return. In addition, the author believes that the legislation of our country should distinguish the subjective malice and bona fide of the policy holder and make different provisions for the legal consequences of breach of the obligation of notice. The 5th part is the author's several suggestions to perfect the duplicate insurance system of our country. It mainly involves the composing elements, the scope of application, the obligation of notification of the duplicate insurance, The legal effect of the duplicate insurance contract and the way of the liability of the insurance parties.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2010
【分類號】：D922.284

【參考文獻】

相關(guān)期刊論文 前4條

1 溫世揚,黃軍;復(fù)保險法律問題研析[J];法商研究(中南政法學(xué)院學(xué)報);2001年04期

2 張秀全;重復(fù)保險的法律規(guī)制[J];河南省政法管理干部學(xué)院學(xué)報;2005年03期

3 陳向聰;;重復(fù)保險法律問題研究[J];行政與法(吉林省行政學(xué)院學(xué)報);2006年04期

4 樊啟榮;保險損害補償原則研究——兼論我國保險合同立法分類之重構(gòu)[J];中國法學(xué);2005年01期

相關(guān)碩士學(xué)位論文 前4條

1 姜雷;重復(fù)保險法律問題研究[D];吉林大學(xué);2006年

2 姚曉蓮;論重復(fù)保險制度[D];鄭州大學(xué);2006年

3 巫滿瓊;重復(fù)保險法律制度研究[D];中國政法大學(xué);2007年

4 沈海燕;論我國《保險法》修訂后的重復(fù)保險法律制度[D];湘潭大學(xué);2009年

，

本文編號：1541524