论代位求偿权制度

发布时间：2018-06-20 20:38

本文选题：代位求偿权 + 海上保险　；参考：《对外经济贸易大学》2006年硕士论文

【摘要】：本文首先从代位求偿权的产生谈起,阐明了代位求偿权的法律规定和法理依据,其次论述了代位求偿权的范围,保险人只能以赔偿金额为限行使代位求偿权。在代位求偿权是否适用人身保险合同的分析上,笔者给出了与现行《保险法》只适用于财产保险合同的不同的解释。对于人身保险合同中的意外伤害医疗保险和健康保险中的医疗保险等险种,由于其属于补偿性保险合同,故应当适用代位求偿权条款,而对于人身保险中的人寿保险合同由于其属于给付性保险合同,不适用于代位求偿权条款。再次论述了行使过程中的相关规定,保险人可以自己的名义行使代位求偿权;被保险人可就未获保险赔偿的部分向第三人索赔,同时负有协助保险人行使代位求偿权的义务;被保险人放弃对第三人的债权对保险代位求偿权的影响。最后论述了对代位求偿权的限制性规定,在对象上,保险人不得向被保险人的家庭成员或组成人员行使代位求偿权;时效上,我国保险人应加强代位求偿权行使的时效意识。文章通过对代位求偿权以上方面的探讨,指出在《海商法》、《保险法》中对代位求偿权的规定的一些不足之处,并提出了完善的建议。
[Abstract]:This paper begins with the emergence of subrogation, clarifies the legal provisions and legal basis of subrogation, and then discusses the scope of subrogation. The insurer can only exercise subrogation with the amount of compensation. On the analysis of whether the right of subrogation is applicable to the life insurance contract, the author gives the different interpretation that the insurance law is only applicable to the property insurance contract. As for the accidental injury medical insurance in the personal insurance contract and the medical insurance in the health insurance, as they belong to the compensatory insurance contract, the clause of subrogation should be applied. However, life insurance contract is not applicable to subrogation because it belongs to payment insurance contract. The related provisions in the course of exercise are discussed again, the insurer can exercise the subrogation in its own name, the insured can claim against the third party for the part of the uninsured compensation, and it has the obligation to assist the insurer to exercise the subrogation. The influence of the insured's waiver of the creditor's right to the third party on the insurance subrogation. Finally, the restrictive provisions of subrogation are discussed. In the object, the insurer should not exercise the subrogation from the family members or members of the insured, and in the prescription, the insurer in our country should strengthen the sense of limitation in the exercise of the subrogation. By discussing the above aspects of subrogation, this paper points out some deficiencies in the regulation of subrogation in Maritime Law and Insurance Law, and puts forward some perfect suggestions.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：D922.284;D923.6

【引证文献】