陈某某诉生命人寿保险公司案评析

发布时间：2018-03-25 13:23

本文选题：自助保险卡　切入点：保险合同　出处：《湖南大学》2012年硕士论文

【摘要】：目前我国很多人身保险公司推出了自助保险卡业务,即一种凭借账号密码,利用互联网、电话或短信的方式激活生效的人身意外保险产品。因其便利性，目前此险种的购买量不断增加，，从而使得自助保险卡合同纠纷也日益增多，由于我国对于该特殊险种的纠纷缺乏成熟的解决机制，导致各地法院对于类似案件的处理出现较大的分歧。笔者认为，卡式保险合同的成立与生效和传统的保险合同成立与生效的形式有很大区别，审理该类纠纷的审判人员，必须对自助保险卡的特殊性有着清醒的认识，才能正确理解相关的法律规定，使纠纷得到有效的解决。本文采用案例分析的方法，以湖南省益阳市某基层法院公开开庭审理的“陈某某诉生命人寿保险公司”一案为切入点，同时结合我国的司法现状，对自助保险卡所涉及的相关理论问题进行了探讨，并在此基础上，对我国自助保险卡合同纠纷的处理提出了建议。本文试经三个步骤对自助保险卡案件的处理进行研究：首先，介绍该案案情；其次，从案情中剥离出该案的主要争议点；最后，从本案的诸多争议点出发，对自助保险卡的特殊性、保险合同中条款的有效性以及人身保险纠纷中伤残等级鉴定应依据的标准等问题进行探讨，并针对自助保险卡的保险人如何正确履行说明义务、在保险纠纷中正确适用伤残等级评定标准等提出完善建议，以期对我国自助保险卡业务的发展及类似保险纠纷的解决能有所帮助。
[Abstract]:At present, many personal insurance companies in our country have launched self-service insurance card business, that is, a personal accident insurance product that can be activated by the way of Internet, telephone or SMS with the help of account code, telephone or SMS. Because of its convenience, At present, the purchase amount of this kind of insurance is increasing, which makes the contract dispute of self-help insurance card increase day by day, because of the lack of mature mechanism to resolve the dispute about the special insurance in our country. This has led to greater differences in the handling of similar cases in local courts. The author believes that the establishment of card-type insurance contracts is quite different from that of the traditional forms of insurance contracts, and that there is a great difference between the establishment and the form of the traditional insurance contracts. It is necessary to have a clear understanding of the particularity of self-service insurance cards in order to correctly understand the relevant laws and regulations and to resolve disputes effectively. This article adopts the method of case analysis, taking the case of Chen Xi-mou v. Life and Life Insurance Company, which is open to a grass-roots court in Yiyang City, Hunan Province, as a starting point, and combining with the judicial situation in our country at the same time. This paper probes into the relevant theoretical problems involved in the self-service insurance card, and on the basis of this, puts forward some suggestions on how to deal with the contract dispute of the self-service insurance card in our country. This paper tries to study the handling of self-help insurance card cases through three steps: first, to introduce the case; secondly, to strip out the main points of dispute in this case; finally, to proceed from many points of dispute in this case. This paper probes into the particularity of self-service insurance card, the validity of clauses in insurance contract and the standard on which the appraisal of disability grade should be based in personal insurance disputes, and discusses how the insurer of self-service insurance card can correctly fulfill its obligation of explanation. In order to help the development of self-service insurance card business and the resolution of similar insurance disputes, the author puts forward some suggestions on how to apply the evaluation standard of disability grade in insurance disputes.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D920.5;D923.6;D922.284

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