论重复保险制度

发布时间：2018-03-11 13:02

本文选题：重复保险　切入点：通知义务　出处：《首都经济贸易大学》2008年硕士论文　论文类型：学位论文

【摘要】： 重复保险制度对确保保险业良性运行起着重要的作用,然而我国关于重复保险的条文很少,仅在《保险法》第41条和《海商法》第225条中有所提及,但两法对重复保险的含义、性质、合同效力、构成要件、赔偿规则、适用条件和范围等方面的规定都不尽完善,不足以保护善意被保险人的合法权益及平衡各保险人的利益,有必要进行一定修改。因此本文从重复保险的定义出发,借鉴国外重复保险的相关规定,运用基础理论研究与实证研究等方法对重复保险各方面进行了充分的阐述,旨在对重复保险制度的完善起到抛砖引玉的作用。关于重复保险的定义,存在着广义学说和狭义学说两种观点。本文结合重复保险的立法意旨,提炼了广义和狭义学说中的合理内涵,提出了重复保险的崭新定义:重复保险是指同一投保人就同一保险标的、保险利益及保险事故同时或者依次与数个保险人签订数个保险合同时,数个保险合同的保险金额的总额超过保险价值(或责任限额),引致保险事故发生时保险赔偿之总额有可能超过保险标的实际损失额或保险价值两者中较小者的保险。在本文的最后提出了重复保险在保险实践运用中的建议。该部分针对我国保险业的实际情况,从完善重复保险制度的角度出发,分别从投保人、保险人、监管者和社会其他有关方面的角度提出了切实可行的建议,希望各方面能积极配合,从理论和实践方面逐步完善我国的重复保险制度。
[Abstract]:The double insurance system plays an important role in ensuring the benign operation of the insurance industry. However, there are few articles on duplicate insurance in our country, which are only mentioned in Article 41 of the Insurance Law and Article 225 of the Maritime Law. The nature, the validity of the contract, the constitutive requirements, the rules of compensation, the conditions and the scope of application are not perfect enough to protect the legitimate rights and interests of the bona fide insured and to balance the interests of the insurers. It is necessary to make some modifications. Therefore, this paper, based on the definition of duplicate insurance, draws lessons from the relevant provisions of foreign duplicate insurance, and uses the methods of basic theoretical research and empirical research to fully expound the various aspects of duplicated insurance. In order to perfect the duplicate insurance system, there are two viewpoints on the definition of duplicate insurance: broad sense theory and narrow sense theory. This paper abstracts the reasonable connotation in broad sense and narrow sense, and puts forward a new definition of duplicate insurance: duplicate insurance refers to the same policy holder on the same subject matter of insurance. When insurance benefits and insurance accidents are signed at the same time, or when several insurance contracts are signed with several insurers in turn, The total amount insured in several insurance contracts exceeds the insured value (or liability limit), and the total amount of insurance compensation at the time of the insurance accident is likely to exceed the amount of the actual loss of the subject matter insured or the lesser of the insured value. At the end of this paper, the author puts forward some suggestions on the application of duplicate insurance in practice. This part aims at the actual situation of China's insurance industry, from the point of view of perfecting the duplicate insurance system, respectively, from the point of view of policy holder and insurer, This paper puts forward some practical suggestions from the angle of the supervisor and other related aspects of the society, and hopes that all aspects can cooperate actively and perfect the duplicate insurance system of our country step by step from the aspects of theory and practice.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：D922.284

【引证文献】