商法人身保險(xiǎn)ppt課件-資料下載頁(yè)
2025-05-06 22:01本頁(yè)面
【正文】 more years, the insurer shall refund the cash value of the insurance policy to the other entitled beneficiaries in accordance with the contract. ? 第四十三條 投保人故意造成被保險(xiǎn)人死亡、傷殘或者疾病的，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任。投保人已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)按照合同約定向其他權(quán)利人退還保險(xiǎn)單的現(xiàn)金價(jià)值。 ? If a beneficiary deliberately causes the death, injury, disability or illness of the insured or deliberately attempts to murder the insured, such beneficiary shall forfeit his/her beneficiary rights. ? 受益人故意造成被保險(xiǎn)人死亡、傷殘、疾病的，或者故意殺害被保險(xiǎn)人未遂的，該受益人喪失受益權(quán)。 ? suicide clause: 自殺條款 ? Article 44 If a contract stipulates the death of the insured as a condition for payment of insurance benefits and the insured mits suicide within two years from the date of formation of the contract or the restoration of its validity, the insurer shall not be liable to pay the insurance benefits, unless the insured, at the time of his/her suicide, was without civil capacity. ? 第四十四條 以被保險(xiǎn)人死亡為給付保險(xiǎn)金條件的合同，自合同成立或者合同效力恢復(fù)之日起二年內(nèi)，被保險(xiǎn)人自殺的，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任，但被保險(xiǎn)人自殺時(shí)為無(wú)民事行為能力人的除外。 ? If the insurer is not liable to pay insurance benefits according to the preceding paragraph, it shall, in accordance with the contract, refund the cash value of the policy. ? 保險(xiǎn)人依照前款規(guī)定不承擔(dān)給付保險(xiǎn)金責(zé)任的，應(yīng)當(dāng)按照合同約定退還保險(xiǎn)單的現(xiàn)金價(jià)值。 ? Grace period provision 寬限條款 ? Misstatement of age provision 年齡誤報(bào)條款 ? Incontestable provision 不抗辯條款 ? 問(wèn)題一：被保險(xiǎn)人自殺所引起的事故是保險(xiǎn)責(zé)任還是除外責(zé)任？ ? 自殺條款設(shè)立的宗旨是： ? 第一：防止發(fā)生道德危險(xiǎn)，保護(hù)保險(xiǎn)人的利益 ? 第二：保護(hù)被保險(xiǎn)人家屬或者受益人的利益 ? 所以把它作為保險(xiǎn)責(zé)任或者是除外責(zé)任都是不合適。而應(yīng)該是一種不完全的保險(xiǎn)責(zé)任 ? 在對(duì)被保險(xiǎn)人自殺動(dòng)機(jī)或者目的。直接推定為自殺的目的或者動(dòng)機(jī)是其他原因，而不是僅僅為了獲得保險(xiǎn)賠付。 ? 從賠付金的來(lái)源看。是用廣大的投保人的錢來(lái)賠付被保險(xiǎn)人的。對(duì)于保險(xiǎn)人來(lái)言的不公平可能只體現(xiàn)在年終利潤(rùn)分配和財(cái)務(wù)會(huì)計(jì)上。 ? 應(yīng)該把這個(gè) 2年作為保險(xiǎn)金額的部分賠付和全部賠付的分界點(diǎn)，而不是作為保險(xiǎn)責(zé)任和除外責(zé)任的分界點(diǎn)。 ? 例如規(guī)定：在保險(xiǎn)合同成立之后第一年內(nèi)被保險(xiǎn)人自殺的，保險(xiǎn)人可以賠付保險(xiǎn)金額的 30%，在第二年內(nèi)被保險(xiǎn)人自殺的，保險(xiǎn)人賠付保險(xiǎn)金額的 60%，被保險(xiǎn)人在第二年之后自殺的，保險(xiǎn)人承擔(dān)前額的賠付。 ? 這樣既保障了受益人或者保險(xiǎn)人家屬的利益，又不至于給保險(xiǎn)人造成太大的損失。 ? 問(wèn)題二：法條只規(guī)定無(wú)民事行為能力人作為除外，那么限制民事行為能力呢？ ? 限制民事行為能力也不可能產(chǎn)生通過(guò)自殺來(lái)獲得保險(xiǎn)賠付的動(dòng)機(jī)。 ? 問(wèn)題三：法條規(guī)定保險(xiǎn)人僅退還保險(xiǎn)單的現(xiàn)金價(jià)值是否合適？是否應(yīng)該加上利息和孳息？ ? 保險(xiǎn)說(shuō)到底與存款，債券，股票一樣都是一種投資行為。那么既然是投資那就應(yīng)該有收益吧？所以應(yīng)該退還現(xiàn)金價(jià)值及其所產(chǎn)生的孳息。 Article 45 ? If the insured willfully mits a crime or resists lawfully applied criminal enforcement measures, resulting in his/her injury, disability or death, the insurer shall not be liable to pay insurance benefits. If the proposer has paid in full two or more years of insurance premiums, the insurer shall, in accordance with the contract, refund the cash value of the policy. 第四十五條 因被保險(xiǎn)人故意犯罪或者抗拒依法采取的刑事強(qiáng)制措施導(dǎo)致其傷殘或者死亡的，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任。投保人已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)按照合同約定退還保險(xiǎn)單的現(xiàn)金價(jià)值。 Article 46 ? If the occurrence of an insured event such as death, injury, disability or illness of the insured is caused by the act of a third party, the insurer shall not be entitled to the right of recourse against the said third party after paying the insurance benefits to the insured or beneficiary. However, ? the insured or beneficiary shall still retain the right to claim pensation from the said third party. 第四十六條 ? 被保險(xiǎn)人因第三者的行為而發(fā)生死亡、傷殘或者疾病等保險(xiǎn)事故的，保險(xiǎn)人向被保險(xiǎn)人或者受益人給付保險(xiǎn)金后，不享有向第三者追償?shù)臋?quán)利，但被保險(xiǎn)人或者受益人仍有權(quán)向第三者請(qǐng)求賠償 。 Article 47 ? If the proposer terminates the contract, the insurer shall, in accordance with the contract, refund the cash value of the policy within 30 days from the date of receipt of the notice of terminationof the contract. ? 投保人解除合同的，保險(xiǎn)人應(yīng)當(dāng)自收到解除合同通知之日起三十日內(nèi)，按照合同約定退還保險(xiǎn)單的現(xiàn)金價(jià)值。
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