本文選題：保險(xiǎn)合同 + 先合同義務(wù)　； 參考：《華東政法大學(xué)》2013年碩士論文

【摘要】：保險(xiǎn)在經(jīng)濟(jì)社會(huì)發(fā)展中發(fā)揮著巨大的作用。為保障雙方當(dāng)事人利益，促進(jìn)保險(xiǎn)行業(yè)健康發(fā)展，，法律對(duì)保險(xiǎn)的規(guī)制應(yīng)從締約階段開(kāi)始著手�；诒ｋU(xiǎn)合同的附和性，合同雙方當(dāng)事人信息不對(duì)稱、利益沖突等特殊性，保險(xiǎn)合同的先合同義務(wù)具有特殊的內(nèi)容與履行規(guī)則。本文討論保險(xiǎn)合同之先合同義務(wù)，具體分四個(gè)章節(jié)展開(kāi)論述。 第一章概述了先合同義務(wù)的特征與內(nèi)容，通過(guò)對(duì)保險(xiǎn)合同的特殊性分析，概括了保險(xiǎn)合同之先合同義務(wù)的內(nèi)容，包括告知義務(wù)、說(shuō)明義務(wù)、保密義務(wù)及協(xié)助義務(wù)。其中告知義務(wù)與說(shuō)明義務(wù)是本文討論的重點(diǎn)，保密義務(wù)與協(xié)助義務(wù)可以依合同法規(guī)則履行。 第二章主要介紹告知義務(wù)。告知義務(wù)人應(yīng)包括投保人與被保險(xiǎn)人，告知的范圍是將影響保險(xiǎn)人風(fēng)險(xiǎn)評(píng)估的重要事項(xiàng)。違反告知義務(wù)的要件包括了客觀要件、主觀要件，而是否采因果關(guān)系應(yīng)當(dāng)從平衡投保人與保險(xiǎn)人利益的角度進(jìn)行考慮。違反告知義務(wù)的法律后果為保險(xiǎn)人享有解除權(quán)。 第三章介紹保險(xiǎn)人的提示及說(shuō)明義務(wù)�；诒ｋU(xiǎn)合同的特殊性，保險(xiǎn)人對(duì)保險(xiǎn)格式條款的說(shuō)明義務(wù)不能適用合同法對(duì)格式條款的一般規(guī)定。我國(guó)《保險(xiǎn)法》區(qū)分了對(duì)一般保險(xiǎn)格式條款的說(shuō)明義務(wù)以及對(duì)免除責(zé)任條款的提示與明確說(shuō)明義務(wù)。對(duì)一般格式條款的說(shuō)明義務(wù)重點(diǎn)在于對(duì)格式條款的整體說(shuō)明；對(duì)免除責(zé)任條款的提示義務(wù)可以以字體、字號(hào)等特殊標(biāo)識(shí)履行，明確說(shuō)明義務(wù)要達(dá)到使具有普通智力水平的理性外行人能夠清楚了解條款內(nèi)容的程度。 第四章對(duì)我國(guó)現(xiàn)行《保險(xiǎn)法》關(guān)于先合同義務(wù)的規(guī)定進(jìn)行解釋，結(jié)合最高人民法院2012年3月公布的《關(guān)于適用中華人民共和國(guó)保險(xiǎn)法若干問(wèn)題的解釋(二)征求意見(jiàn)稿》，對(duì)投保人的告知義務(wù)、保險(xiǎn)人的提示與說(shuō)明義務(wù)分別提出完善意見(jiàn)。
[Abstract]:Insurance plays a great role in economic and social development. In order to protect the interests of both parties and promote the healthy development of insurance industry, the legal regulation of insurance should start from the contracting stage. Based on the particularity of the concurrence of the insurance contract, the asymmetry of information between the parties to the contract and the conflict of interest, the pre-contract obligation of the insurance contract has special contents and performance rules. This paper discusses the pre-contract obligation of insurance contract, which is divided into four chapters. The first chapter summarizes the characteristics and contents of the pre-contract obligation. By analyzing the particularity of the insurance contract, it generalizes the content of the pre-contract obligation of insurance contract, including the obligation to inform, the obligation to explain, the obligation to keep secret and the obligation to assist. The obligation to inform and explain is the focus of this paper, and the obligation of confidentiality and assistance can be carried out in accordance with the contract law. The second chapter mainly introduces the obligation of informing. The notifying obligor should include the insured and the insured, and the scope of notification is an important matter that will affect the risk assessment of the insurer. The elements of breach of the obligation of notification include objective elements and subjective elements, and whether to adopt causality should be considered from the angle of balancing the interests of the policyholder and the insurer. The legal consequences of breach of the obligation of notification shall be the right of rescission of the insurer. The third chapter introduces the Insurers'obligation of presentation and explanation. Based on the particularity of the insurance contract, the insurer's obligation to explain the insurance form clause cannot be applied to the general regulation of the form clause in the contract law. The Insurance Law of our country distinguishes between the obligation to explain the general insurance form clause and the obligation to indicate the clause of exemption from liability. The obligation to explain the general form clause focuses on the overall description of the form clause; the obligation to indicate the exemption clause can be performed with special marks such as font, font size, etc. The explicit obligation is to the extent that the rational layman with ordinary intelligence can clearly understand the content of the clause. The fourth chapter explains the provisions of the current Insurance Law on the obligation of prior contract. Combined with the interpretation of some issues concerning the Application of the Insurance Law of the people's Republic of China (2), published by the Supreme people's Court in March 2012, the author puts forward the perfect opinions on the obligation of informing the policy holder and the obligation of prompt and explanation of the insurer respectively.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.284;D923.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

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