重复保险若干法律问题研究

发布时间：2018-02-27 06:17

本文关键词： 重复保险损失补偿原则构成要件适用范围　出处：《华东政法大学》2010年硕士论文　论文类型：学位论文

【摘要】： 重复保险是损失补偿原则的重要体现,也是我国保险法中一个很重要的制度。该制度的设立主要是为了确保被保险人的损害得到补偿,同时又能有效防止被保险人利用保险制度获得额外的不当利益,避免发生道德风险,以确保保险制度的良性运行。我国《保险法》第56条、《海商法》第225条中规定了重复保险相关制度,笔者认为两法的规定过于简单而且在具体内容上也有欠缺,因此,有必要通过进一步研究,不断完善重复保险相关制度。本文将依据保险法理论,通过对我国重复保险制度相关法律问题加以评析、论述,并借鉴国外的保险立法经验,对我国重复保险的不足之处提出修改建议,以进一步完善该制度。本文由以下五个部分组成。第一部分是关于重复保险的概述。重复保险的立法目的在于防止不当得利。我国新修订的《保险法》改变了过去的定义,采纳了狭义说,统一了我国《保险法》和《海商法》关于重复保险的定义。本文将在这一部分对重复保险定义进行论述,并提出自己的观点。第二部分是关于重复保险的构成要件研究。本文在这一部分将对以下七个要件逐一进行研讨:同一被保险人、同一保险事故、同一保险标的、同一保险利益、同一保险期间、向两个以上保险人订立两个以上保险合同以及保险金额总和须超过保险价值。第三部分是关于重复保险的适用范围研讨。围绕重复保险是否适用于人身保险,笔者客观地介绍了三种不同观点并进行评析,提出了自己的立场。第四部分为重复保险法律效力及重复保险中投保人通知义务的研究。其中重复保险的对内效力包括被保险人的索赔权和保费返还请求权,对外效力指的是各保险人分摊权和追偿权。此外,笔者认为对于违反通知义务之法律后果,我国立法应当区分投保人主观恶意和善意,做出不同的规定。第五部分是笔者对完善我国重复保险制度的几点建议。主要涉及重复保险的构成要件、适用范围、通知义务、重复保险合同的法律效力以及各保险人间的责任承担方式等几个方面。
[Abstract]:Duplicate insurance is an important embodiment of the principle of compensation for losses and a very important system in the insurance law of our country. At the same time, it can effectively prevent the insured from making use of the insurance system to obtain extra improper benefits and avoid the moral hazard, so as to ensure the benign operation of the insurance system. Article 56 of the Insurance Law of China and Article 225 of the Maritime Law provide for the system of duplicate insurance. The author thinks that the provisions of the two laws are too simple and lacking in specific contents. Therefore, it is necessary to further study them. Continue to improve the duplication of insurance related systems. According to the theory of insurance law, this paper analyzes and discusses the relevant legal problems of our country's duplicate insurance system, and draws lessons from the experience of foreign insurance legislation, and puts forward some suggestions to amend the deficiency of our country's duplicate insurance. In order to further improve the system. This paper consists of the following five parts. The first part is an overview of duplicate insurance. The legislative purpose of duplicate insurance is to prevent undue enrichment. The newly revised Insurance Law of our country has changed the former definition and adopted the narrow sense. This paper unifies the definitions of duplicate insurance in China's Insurance Law and Maritime Law. In this part, the definition of duplicate insurance is discussed and its own viewpoint is put forward. The second part is about the study of the constitutive elements of duplicate insurance. In this part, the following seven elements will be studied one by one: the same insured, the same insured accident, the same subject matter insured, the same insurable interest, the same insurance period, More than two insurance contracts with more than two insurers and the total amount insured shall exceed the insured value. The third part is about the scope of application of duplicate insurance. Around whether duplicate insurance is applicable to personal insurance, the author objectively introduces three different views and comments, and puts forward his own position. The 4th part is the study of the legal effect of duplicate insurance and the notice obligation of policyholder in duplicate insurance. The internal effect of duplicate insurance includes the claim right of insurant and the claim right of premium return. In addition, the author believes that the legislation of our country should distinguish the subjective malice and bona fide of the policy holder and make different provisions for the legal consequences of breach of the obligation of notice. The 5th part is the author's several suggestions to perfect the duplicate insurance system of our country. It mainly involves the composing elements, the scope of application, the obligation of notification of the duplicate insurance, The legal effect of the duplicate insurance contract and the way of the liability of the insurance parties.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.284

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