卡式保险业务流程的法律性质分析

发布时间：2018-09-14 20:21

【摘要】：卡式保险业务是一种新兴事物,其业务流程应该如何解读和定位尚不明确。同一合同说是将购卡和激活看成订立保险合同的两个阶段,又可划分为购卡时成立说和成功激活时成立说。不同学说是将购卡和激活看成两个合同,依对这两个合同间关系的不同认识,不同学说又可划分为预约本约说和完全独立说。预约本约说存在主体不同、预约本约对价相同等一些问题,虽可以解释,但适用上显得复杂;完全独立说则克服了上述问题,对购卡和激活的行为定位准确,且与债权让与制度结合可解释主体不同的难题,可作为卡式保险业务的分析框架。有关卡式电子保单的生效时间、保险责任开始时间的问题,应当从实践中保险人在自助保险卡上所作的声明的内涵和效力入手,认定激活后生成电子保单的时点为卡式电子保单的生效时间,声明中指出的激活后的特定时点为保险责任开始时间。
[Abstract]:Card insurance business is a new thing, how to interpret and position its business process is unclear. The same contract theory regards the purchase and activation of the card as two stages of the conclusion of the insurance contract, and can be divided into the establishment of the purchase of the card and the establishment of the successful activation. Different theories regard purchase card and activation as two contracts. According to the different understanding of the relationship between the two contracts, the different theories can be divided into book reservation theory and complete independence theory. Some problems, such as the same price and the same price, can be explained, but the application is complicated. The theory of complete independence overcomes the above problems, and the behavior of buying card and activating is accurately defined. It can be used as the analytical framework of card insurance business. With regard to the effective time of electronic card insurance policy and the beginning time of insurance liability, we should start with the connotation and effect of the declaration made by the insurer on the self-insurance card in practice. It is determined that the time point when an electronic policy is generated after activation is the effective time of an electronic card insurance policy, and the specific time point after activation indicated in the statement is the commencement time of insurance liability.
【作者单位】：北京大学法学院;
【分类号】：D922.284

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