论我国保险法中重复保险条款的完善

发布时间：2018-01-14 13:39

本文关键词：论我国保险法中重复保险条款的完善　出处：《华侨大学》2015年硕士论文　论文类型：学位论文

【摘要】：作为损失补偿原则的一种重要的保障手段,重复保险具有极其重要的理论价值和实践价值。首先,在保险人方面,重复保险能够预防和避免主观危险的发生,有利于维护损失补偿原则,确保保险合同的最大善意原则能够得到保障。其次,重复保险制度能够对投保人或被保险人增强安全保障。当保险人申请破产或赔偿能力不够时,投保人或被保险人可以通过重复保险减少因保险人财力不足时造成的赔偿风险,以此来达到增强投保人或被保险人安全保障的目的。当前,我国保险法仅有五十六条一个条款来规定重复保险,且该条款存在许多瑕疵和局限性。瑕疵和局限性表现为:构成要件缺失;适用范围具有局限性;对投保人重复投保时的主观状态不加区分;缺乏对重复保险合同的效力的规定;投保人的通知义务模糊,不具有可操作性。假如不整理清楚这些有问题的地方,我国的保险业就得不到很好的发展,被保险人和受益人相关权益也容易受到侵犯,也很可能会损害我国的司法严肃性。因此,笔者建议结合我国相关法律的规定以及国外立法和相关学者的观点,全面完善我国重复保险条款,完善重复保险的组成因素;清楚的说明一切损失补偿类保险可以应用重复保险;对重复保险的善意和恶意进行分辨,打击和规制恶意重复保险;阐明重复保险的通知义务,增加未履行通知义务时投保人的法律后果。
[Abstract]:As an important means to guarantee the principle of compensation, double insurance has extremely important theoretical value and practical value. Firstly, the insurer, double insurance can prevent and avoid subjective danger, is conducive to safeguarding the principle of compensation, to ensure the utmost good faith principle of insurance contract can be guaranteed. Secondly, double insurance the system can for the insured to enhance security. When the insurer filed for bankruptcy or compensation ability is not enough, the insured can reduce the risk of compensation caused by the insurer when the lack of financial resources through repeated insurance, in order to achieve the enhancement of the applicant or the insured for security purposes. Currently, I insurance law only fifty-six a clause to the provisions of the double insurance, and the terms of the existence of many defects and limitations. Flaws and limitations are the constituent parts missing; The scope of the insured has limitations; repeat insured subjective state without distinction; lack of regulations on the validity of the insurance contract; the obligation to notify the applicant of fuzzy, does not have the maneuverability. If not sorted out these problem areas, China's insurance industry is not well developed the insured and beneficiary rights is also vulnerable to abuse, is likely to damage the judicial seriousness in China. Therefore, the author suggests combining with China's relevant laws and regulations and the views of foreign legislation and relevant scholars, comprehensive double insurance items in our country, improve the composition factors of double insurance; clear all kinds of insurance loss compensation can be applied to double insurance; double insurance goodwill and malicious resolution, combat and regulation of malicious double insurance; clarify the obligation of notice of double insurance, not to notice the meaning The legal consequences of the insured person at the time of service.

【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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