意外伤害保险诸法律问题研究

发布时间：2018-03-15 21:04

本文选题：意外伤害　切入点：因果关系　出处：《烟台大学》2017年硕士论文　论文类型：学位论文

【摘要】：意外伤害保险作为特殊的险种,在其快速发展的同时也产生了许多法律上的争议。从根源上来说,我国保险法将意外伤害险划分于人身保险的范畴之下,这使得意外伤害险保险责任所兼具的定额给付性与损失补偿性与我国保险法对人身保险只能适用定额给付责任的规定相冲突,因此,需要对意外伤害险保险责任的损失补偿性进行明确。同时,在明确意外伤害险具有补偿性的前提下探讨意外伤害险中的代位求偿权,构建意外伤害险中的约定代位权制度。然则,意外伤害险自成体系,明确意外伤害险保险责任的前提便是要明晰意外伤害险中“意外伤害”在法律上的认定标准,以及意外伤害与损害结果的因果关系。在此,为了弥补保险法立法上对于以上意外伤害险相关内容所存在的空白,推动意外伤害险实务进一步发展,有必要对意外伤害保险进行体系化的研究,对意外伤害保险涉及的诸法律问题进行发现与梳理,并提出一定的解决办法。
[Abstract]:As a special kind of insurance, accident injury insurance has produced a lot of legal disputes in its rapid development. From the source, the insurance law of our country divides accident injury insurance under the category of personal insurance. This makes the liability of accident and injury insurance both of the fixed payment and loss compensation and the insurance law of our country can only apply to life insurance quota liability, therefore, At the same time, the subrogation right in the accidental injury insurance is discussed on the premise that the accident injury insurance is compensatory. Construct the system of agreed subrogation in accident injury insurance. However, accident injury insurance has its own system, and the premise of defining the liability of accident injury insurance is to clarify the legal recognition standard of "accidental injury" in accident injury insurance. And the causal relationship between accidental injury and damage results. In order to make up for the gaps in the legislation of insurance law on the above related contents of accidental injury insurance, and to promote the further development of the practice of accidental injury insurance, It is necessary to systematize the accidental injury insurance, to find out and sort out the legal problems involved in the accidental injury insurance, and to put forward some solutions.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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