人身保险合同之自杀条款探析

发布时间：2018-06-29 03:28

本文选题：人身保险合同 + 自杀条款　；参考：《山东大学》2017年硕士论文

【摘要】：自杀条款是人身保险合同中的常见条款,其在保险合同中的价值主要体现在引导和规制保险合同双方当事人的履约行为上。同时,该条款对规避道德风险,引导被保险人树立健康、乐观的生活态度和价值观念,限制保险人的逃避赔付现象,引导保险市场公平、合理发展,维持社会的稳定秩序,均有积极推动作用。为解决旧法在适用中产生的学理及实务争议,2009年我国对《中华人民共和国保险法》进行了修订,并于当年十月一日起施行。与旧法相比,新法对自杀条款的规定更加全面,对旧法在适用中暴露的问题也做了针对性较强的修改和补充。之后,最高人民法院也于2015年公布了《保险法司法解释(三)》。由此,我国关于自杀条款的规定已经基本完善。但这种完善更多体现的是形式上、表面上的完善,我国法律对自杀条款的规制在实质上还有部分缺陷有待填补和纠正。本文除引言和结语外,主要包括以下三个部分:第一部分主要是在学理上对自杀条款进行大致梳理。该部分概括讨论了自杀条款的内涵、历史沿革、性质以及制度合理性等问题。第二部分从比较法的角度,对域内外自杀条款的相关立法及判例进行了探析。该部分从旧法对自杀条款的规定入手,重点考察了我国台湾地区、日本以及美国的相关立法和法律适用,并在与上述地区和国家比较之后,概括得出我国立法与其的不同之处。第三部分以前两部分的考察收获和思考为切入点,着重探讨了我国《保险法》对自杀条款规定的不足,并在此基础上提出了完善自杀条款规定与适用的设想。
[Abstract]:Suicide clause is a common clause in life insurance contract, and its value in insurance contract is mainly embodied in guiding and regulating the performance behavior of both parties in insurance contract. At the same time, it can avoid moral hazard, guide the insured to establish healthy and optimistic life attitude and value, limit the insurer's evasion of indemnity, guide the fair and reasonable development of the insurance market, and maintain the stable order of the society. All have a positive role in promoting. In order to resolve the academic and practical disputes arising from the application of the old law, China revised the Insurance Law of the people's Republic of China in 2009 and went into effect on October 1 of that year. Compared with the old law, the new law has more comprehensive provisions on the suicide clause, and has also made strong amendments and supplements to the problems exposed in the application of the old law. After that, the Supreme people's Court also published the Insurance Law Judicial interpretation (3) in 2015. From this, our country regarding suicide clause stipulation already basically consummated. However, this kind of perfection is more embodied in form and on the surface, and there are still some defects to be filled and corrected in the regulation of suicide clause in Chinese law. In addition to the introduction and conclusion, this paper mainly includes the following three parts: the first part is to sort out the suicide clause. This part discusses the connotation, history, nature and system rationality of suicide clause. The second part, from the angle of comparative law, analyzes the relative legislation and case of suicide clause inside and outside the field. This part begins with the provisions of the old law on the suicide clause, and focuses on the relevant legislation and legal application in Taiwan, Japan and the United States of America. After comparing with the above regions and countries, the author summarizes the differences between the legislation of our country and it. In the third part, the author discusses the deficiency of the suicide clause in the Insurance Law of our country, and puts forward the idea of perfecting the provision and application of the suicide clause on the basis of the investigation and thinking of the former two parts as the starting point.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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