保险公司的除外责任和保险诈骗罪竞合性之适用

发布时间：2018-05-01 09:15

本文选题：保险 + 除外责任　；参考：《南昌大学》2017年硕士论文

【摘要】：保险合同中的除外责任,是指依法律或合同规定保险人不负赔偿责任的范围。保险条款既要规定保险责任,又要规定除外责任。除了战争、自然灾害等不可控因素,保险关系人的故意行为,也能使得保险公司免除责任。保险与危险同在,危险事件的发生促进了人们对保险的需求。保险法上的危险是指不可预料或不可抗力之事故。随着经济的快速发展,保险已成为各国国民经济中不可缺少的一环而随着保险事业的发展,保险诈骗也随之猖獗,严重阻碍了保险事业的发展,保险欺诈已被确定为当前对保险业盈利构成威胁的最大部分。(1)因而保险诈骗罪也受到广泛的关注。保险合同除外责任条款的规定可使保险公司在保险关系人的骗保骗赔行为发生后免责,保险诈骗罪的规定亦是为了打击侵犯保险公司财产的诈骗行为,在某种程度上,两者的目的是一致的。因此,本文旨在探索是否可以通过对保险合同除外责任条款的完善预防保险诈骗行为的发生以及对恶意的保险关系人进行惩罚,从而实现轻刑化。
[Abstract]:Exclusions in insurance contracts refer to the extent to which the insurer is not liable according to law or contract. The insurance clause not only provides for the liability of insurance, but also for the exception of liability. In addition to uncontrollable factors such as war and natural disasters, insurance companies can also be exempted from liability by intentional acts of insurance parties. Insurance is with danger, and the occurrence of dangerous events promotes people's demand for insurance. Risks in insurance law refer to unforeseen or force majeure accidents. With the rapid development of economy, insurance has become an indispensable link in the national economy of various countries. With the development of insurance industry, insurance fraud is also rampant, which seriously hinders the development of insurance industry. Insurance fraud has been identified as the largest part of the current threat to the profits of the insurance industry. The provisions of the exclusionary liability clause in insurance contracts may make the insurance company exempt from liability after the insurance related person's fraud and compensation fraud occurs. The purpose of the insurance fraud crime is to combat fraud that infringes the property of the insurance company, to a certain extent, The purpose of the two is the same. Therefore, the purpose of this paper is to explore whether it is possible to prevent the occurrence of insurance fraud and punish the malicious insurance relations through the perfection of the exclusion clause of insurance contract, so as to realize the light punishment.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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