保险合同免责条款法律问题研究
发布时间：2018-11-04 07:45
【摘要】：保险业是现代金融体系的重要支柱，它通过合理转移和分配风险，保护了市场主体的开拓和创造精神，极大地促进了社会的发展和进步。《中华人民共和国保险法》自1995年颁布实施以来，经过了2002年、2009年两次修改。特别是2009年，保险合同章被修改的条款达48处之多，其中大量修改均体现了保险法对消费者权益的日益保护。 随着保险业的不断发展，一方面投保的人群和企业所占比例不断增多，保险业务发展十分繁荣，另一方面，由于实际中存在大量保险人援引保险合同免责条款拒赔的案件，导致投保人对于保险业、保险人、保险产品的信赖程度日益下降，甚至有人将保险合同免责条款视为保险人欺诈投保人的手段与工具。因此，在现代保险业中，保险人与投保人存在激烈的利益博弈，，而保险合同免责条款则成为双方博弈的一个主要战场。 由于保险合同系格式合同，保险人设立免责条款时往往会导致保险合同当事人之间权利、义务的不对等，违反公平原则。因此，法律应该对保险合同免责条款进行适当的干预与限制。本文将从范围确定、订入规制、解释原则等方面对保险合同免责条款进行分析，并结合域外立法例，对完善我国相关立法提出建议。
[Abstract]:The insurance industry is an important pillar of the modern financial system. It protects the pioneering and creative spirit of the main body of the market through the rational transfer and distribution of risks. The Insurance Law of the people's Republic of China has been amended twice in 2002 and 2009 since it was promulgated and implemented in 1995. Especially in 2009, as many as 48 clauses have been amended in the chapter of insurance contract, among which a large number of amendments reflect the increasing protection of consumers' rights and interests by insurance law. With the continuous development of the insurance industry, on the one hand, the proportion of insured people and enterprises is increasing, and the development of insurance business is very prosperous. On the other hand, there are a large number of cases in which the insurer invokes exemption clauses in insurance contracts. As a result, the degree of reliance of the policy holder on insurance, insurer and insurance products is declining day by day. Some people even regard the exemption clause of insurance contract as the means and tool for the insurer to cheat the policyholder. Therefore, in the modern insurance industry, there is a fierce benefit game between the insurer and the policyholder, and the exemption clause of insurance contract becomes a main battlefield of the game between the two parties. Because the insurance contract is the form contract, when the insurer sets up the exemption clause, it will often lead to the unequal rights and obligations between the parties to the insurance contract, which violates the principle of fairness. Therefore, the law should intervene and restrict the exemption clause of insurance contract. This paper will analyze the exemption clauses of insurance contract from the aspects of scope determination, regulation, interpretation and so on, and put forward some suggestions to perfect the relevant legislation of our country.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284
本文编号：2309161
[Abstract]:The insurance industry is an important pillar of the modern financial system. It protects the pioneering and creative spirit of the main body of the market through the rational transfer and distribution of risks. The Insurance Law of the people's Republic of China has been amended twice in 2002 and 2009 since it was promulgated and implemented in 1995. Especially in 2009, as many as 48 clauses have been amended in the chapter of insurance contract, among which a large number of amendments reflect the increasing protection of consumers' rights and interests by insurance law. With the continuous development of the insurance industry, on the one hand, the proportion of insured people and enterprises is increasing, and the development of insurance business is very prosperous. On the other hand, there are a large number of cases in which the insurer invokes exemption clauses in insurance contracts. As a result, the degree of reliance of the policy holder on insurance, insurer and insurance products is declining day by day. Some people even regard the exemption clause of insurance contract as the means and tool for the insurer to cheat the policyholder. Therefore, in the modern insurance industry, there is a fierce benefit game between the insurer and the policyholder, and the exemption clause of insurance contract becomes a main battlefield of the game between the two parties. Because the insurance contract is the form contract, when the insurer sets up the exemption clause, it will often lead to the unequal rights and obligations between the parties to the insurance contract, which violates the principle of fairness. Therefore, the law should intervene and restrict the exemption clause of insurance contract. This paper will analyze the exemption clauses of insurance contract from the aspects of scope determination, regulation, interpretation and so on, and put forward some suggestions to perfect the relevant legislation of our country.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284
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