寿险核保期被保险人意外身故法律问题研究
发布时间：2019-06-28 13:44
【摘要】：旨在运用利益衡量的方法对寿险核保期被保险人意外身故所导致的法律问题进行研究。实践中,现行法院的解释不尽如人意。保险公司推出的临时保险条款虽然在一定程度上缓解了保险当事人双方之间的矛盾,但总的来说,普通寿险暂保单制度并无必要,而无条件临时保险制度则不可行。寿险合同本质上为附生效条件合同。保险消费者应获得承诺权,以制衡保险人的定价权,从而实现保险当事人之间的利益平衡。
[Abstract]:The purpose of this paper is to study the legal problems caused by the accidental death of the insured in the life insurance period by means of interest measurement. In practice, the current court interpretation is not satisfactory. Although the temporary insurance clauses put forward by insurance companies alleviate the contradiction between the two parties to a certain extent, generally speaking, the general life insurance temporary policy system is not necessary, while the unconditional temporary insurance system is not feasible. Life insurance contract is essentially a contract with effective conditions. Insurance consumers should obtain the right of commitment to check and balance the pricing power of insurers, so as to achieve the balance of interests between insurance parties.
【作者单位】： 上海大学经济学院;
【基金】：国家社科基金规划项目:“利益平衡视野下寿险核保期风险分担法律问题研究”(11BFX034)
【分类号】：D922.284
本文编号：2507344
[Abstract]:The purpose of this paper is to study the legal problems caused by the accidental death of the insured in the life insurance period by means of interest measurement. In practice, the current court interpretation is not satisfactory. Although the temporary insurance clauses put forward by insurance companies alleviate the contradiction between the two parties to a certain extent, generally speaking, the general life insurance temporary policy system is not necessary, while the unconditional temporary insurance system is not feasible. Life insurance contract is essentially a contract with effective conditions. Insurance consumers should obtain the right of commitment to check and balance the pricing power of insurers, so as to achieve the balance of interests between insurance parties.
【作者单位】： 上海大学经济学院;
【基金】：国家社科基金规划项目:“利益平衡视野下寿险核保期风险分担法律问题研究”(11BFX034)
【分类号】：D922.284
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