保險學(xué)原理chapter3(存儲版)
【正文】 Inter? Bilateral and Unilateral Contracts ? Bilateral contract a contract between two parties who both make legally enforceable promises when they enter into the contract. ? Unilateral contract a contract between two parties only one of them makes legally enforceable promises when entering into the contract. Bilateral and Unilateral Contracts ? Life and health insurance policies are unilateral contracts. ? The insurance promise to provide coverage in return for a stated premium. ? The purchase of the policy does not promise to pay the premiums and cannot be pelled by law to pay the premiums. Commutative and Aleatory Contracts ? Commutative contract an agreement under which the parties specify in advance the values that will be exchange , moreover, the parties generally exchange items or services that they are of relatively equal value. ? Aleatory contract an agreement under which one party provides something of value to another party in exchange for a conditional promise. Commutative and Aleatory Contracts ? A conditional promise is a promise to perform a stated act if a specified,uncertain event occurs. ? Life and health insurance policies are aleatory contracts. Bargaining Contracts and Contract of Adhesion ? Bargaining contract a contract that is creates by both contracting parties who, as equals, set the terms and conditions of the contract. ? Contract of adhesion a contract that one contracting party prepares and that the other contracting party must accept or reject as a whole, without any bargaining between the parties. Bargaining Contracts and C
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