论保险合同告知义务制度

发布时间：2018-05-31 17:05

本文选题：保险合同 + 告知义务制度　；参考：《复旦大学》2012年硕士论文

【摘要】：保险系一种特殊的经济补偿制度,功能在于分散风险、消化损失。保险的本质特征为“无危险即无保险”,补偿因不确定危险所造成的损害。告知义务制度,作为保险合同法上传统而又独有的制度,系保险业合理营运的前提和基础。因而,各国保险法都将告知义务制度作为法定义务加以规定。告知义务制度亦是保险实务与理论研究中最易引起争议的制度规则之一。在我国保险业快速发展的今天,新型的保险合同不断涌现,如何既保护投保人的利益又遵循保险原理,平衡保险合同中各方的权益,对告知义务制度的研究显得尤为重要。本文以2009年新《保险法》的出台为背景,以新型保险合同为研究视角,对告知义务制度进行多维分析,同时通过中外法律的比较,深入剖析告知义务制度的具体规则,针对实务中遇到的困境,探寻解决问题的路径,提出我国保险立法修订应增加告知义务制度内容的建议。全文共分为七个部分：第一部分,导论。阐述了论文选题的研究背景与意义、研究方法和路径以及论文的创新。着重通过文献综述的形式,梳理中外学者对告知义务制度的研究成果并进行评述。第二部分,保险合同告知义务的界定、价值及其依据。从告知义务制度的内涵着手,阐明其性质。分析该制度的契约特性,评述投保人和保险人信息不对称的情形。继而追溯制度的起源,引出其价值基础——最大诚实信用原则。最后罗列制度的立法依据,即“最大善意说”、“对价平衡说”、“射幸契约说”、“意思合致说”、“信息不对称说”、“瑕疵担保说”、“危险测定或技术说”,提出“将最大善意说与危险测定说结合”的观点。第三部分,履行告知义务之具体规则解构。论述告知义务制度的主体、履行期以及告知范围。通过列举各国的不同规定以及我国的立法实践,为后文的比较研究及建议的提出埋下伏笔。第四部分,中外告知义务制度比较研究。选取德国和日本为比较对象,将上述两国保险法中有关告知义务制度的规定与我国立法作比较研究。着重论述两国保险法中值得我国借鉴之处,包括告知主体、告知范围、履行方式等,弥补我国保险法的立法空白。第五部分,我国保险合同告知义务的多维分析。在实务中,投保人和保险人在人身保险合同领域就告知义务是否履行的争议屡见不鲜。以团体人身保险、体检程序介入、兜底条款以及合同中止后复效时的争议为研究重点,通过实证分析,结合制度原理,使研究结论兼具科学性和可操作性。第六部分,营销模式创新背景下的告知义务制度。为论文的创新之处,以新型保险合同为研究对象,详细介绍电话销售保险合同、以保险超市为销售载体的保险合同、网络销售保险合同、电视购物销售保险合同。在分析上述新型保险合同的特征及优越性的同时,研究告知义务制度的告知方式,将新型保险合同与传统的告知义务制度贯穿融合,凸显本文的研究亮点。第七部分,我国告知义务制度的完善。分析了我国保险法对于告知义务主体及其范围的制度设计的缺失,提出完善告知义务制度的建议。
[Abstract]:Insurance is a kind of special economic compensation system , the function is to disperse the risk , digest the loss . The essential characteristic of the insurance is " no danger , no insurance " , compensation for the damage caused by the uncertainty of danger . The obligation system , as the traditional and unique system in the insurance contract law , is the premise and basis of the reasonable operation of the insurance industry . Therefore , all national insurance laws will inform the obligation system as the legal obligation .

The notification obligation system is one of the most controversial system rules in the insurance practice and the theoretical study . Today , the new insurance contract is emerging in China ' s insurance industry . How to protect the interests of the policyholder and follow the insurance principle , balance the interests of all parties in the insurance contract , and it is especially important to study the notification obligation system .

Based on the introduction of the new insurance law in 2009 , this paper takes a new type of insurance contract as the research point of view , and makes a multi - dimensional analysis on the notification obligation system . At the same time , through the comparison of the domestic and foreign laws , the detailed rules of the notification obligation system are deeply analyzed , the path of solving the problem is explored , and the suggestion of the amendment of the insurance legislation of our country should be added to the content of the obligation system .

The full text is divided into seven parts :

The first part , introduction , expounds the research background and significance of the thesis selection , the research methods and the path and the innovation of the paper .

In the second part , the definition , the value and the basis of the obligation of insurance contract are stated .

In the third part , the specific rules for fulfilling the obligation of notification are destructed . The main body , the performance period and the notification scope of the notification obligation system are discussed . By listing the different provisions of each country and the legislative practice of our country , the author puts forward some suggestions for the comparative study and suggestions .

The fourth part is a comparative study of the Chinese and foreign notification obligation system . The article compares the provisions of the above two countries ' insurance law with the legislation of our country by choosing Germany and Japan as the comparative object . It emphasizes the merit of reference in the insurance law of the two countries , including informing the subject , informing the scope and the way of performance , and making up the blank of legislation in China ' s insurance law .

In the fifth part , the author analyzes the obligation of insurance contract in our country . In practice , the dispute between the applicant and the insurer in the field of personal insurance contract is not uncommon . In practice , the dispute between the applicant and the insurer in the field of personal insurance contract is the focus of the research , and the research conclusion is scientific and operable through the empirical analysis and the system principle .

In the sixth part , the system of informing obligation under the background of marketing pattern innovation is introduced . In this paper , a new insurance contract is used as the research object , the insurance contract , the network sale insurance contract , the TV shopping and sale insurance contract are introduced in detail , and the new insurance contract and the traditional notification obligation system are merged to highlight the research highlights of this paper .

In the seventh part , our country is informed about the perfection of the obligation system . It analyzes the lack of the system design of the Chinese insurance law to inform the subject and the scope of the obligation , and puts forward the suggestion to perfect the notification obligation system .
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.284

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