商法人身保險(xiǎn)ppt課件-wenkub.com
2025-05-03 22:01 本頁面
【正文】 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 。 ? 問題三：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)說到底與存款，債券，股票一樣都是一種投資行為。 ? 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)。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。 ? 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)為無民事行為能力人的除外。《 保險(xiǎn)法 》 對(duì)此做了明確規(guī)定，對(duì)實(shí)踐具有積極的指導(dǎo)作用。遺產(chǎn)是指被繼承人死亡時(shí)所遺留的、依照 《 繼承法 》 規(guī)定能夠轉(zhuǎn)移給他人的財(cái)產(chǎn)權(quán)利及一定范圍的財(cái)產(chǎn)義務(wù)。 Article 42 ? 其基本特征是：（ 1）遺產(chǎn)必須由被繼承人生前合法擁有，具有合法性；（ 2）遺產(chǎn)必須是被繼承人死亡時(shí)所遺留，具有特定的時(shí)間性；（ 3）遺產(chǎn)僅限于被繼承人遺留的財(cái)產(chǎn)權(quán)利和義務(wù)，具有財(cái)產(chǎn)性；（ 4）遺產(chǎn)必須是依 《 繼承法 》 的規(guī)定能夠轉(zhuǎn)讓給他人的財(cái)產(chǎn)，具有可轉(zhuǎn)讓性；（ 5）遺產(chǎn)必須是被繼承人生前的財(cái)產(chǎn)權(quán)利與一定范圍的財(cái)產(chǎn)義務(wù)的統(tǒng)一體，具有總體性。 ? A change of the beneficiary made by the proposer shall be subject to the consent of the insurer. ? 投保人變更受益人時(shí)須經(jīng)被保險(xiǎn)人同意 Article 42 ? In any of the following circumstances, if the insured dies, the insurance proceeds shall bee part of his/her estate and the insurer shall perform its obligation of paying the insurance benefits in accordance with the PRC Inheritance Law. ? 第四十二條 被保險(xiǎn)人死亡后，有下列情形之一的，保險(xiǎn)金作為被保險(xiǎn)人的遺產(chǎn)，由保險(xiǎn)人依照 《 中華人民共和國(guó)繼承法 》的規(guī)定履行給付保險(xiǎn)金的義務(wù)： Article 42 ? beneficiary was designated or the designation of the beneficiary is unclear and determination thereof is impossible。 ? 受益順序及份額 ? Article 40 The insured or proposer may designate one or more persons as beneficiaries. ? 第四十條 被保險(xiǎn)人或者投保人可以指定一人或者數(shù)人為受益人。 The period of limitation of actions for the lodging of a claim with the insurer for payment of insurance benefits by the insured or beneficiary of a life insurance policy shall be five years, counting from the date on which he learnt or ought to have learnt of the occurrence of the insured event. 人壽保險(xiǎn)的被保險(xiǎn)人或者受益人向保險(xiǎn)人請(qǐng)求給付保險(xiǎn)金的訴訟時(shí)效期間為五年，自其知道或者應(yīng)當(dāng)知道保險(xiǎn)事故發(fā)生之日起計(jì)算 The period of prescription for the lodging of a claim with the insurer for payment of indemnities or insurance benefits by the insured or beneficiary of an insurance policy other than a life insurance policy shall be two years, counting from the date on which he learnt or ought to have learnt of the occurrence of the insured event. 人壽保險(xiǎn)以外的其他保險(xiǎn)的被保險(xiǎn)人或者受益人，向保險(xiǎn)人請(qǐng)求賠償或者給付保險(xiǎn)金的訴訟時(shí)效期間為二年，自其知道或者應(yīng)當(dāng)知道保險(xiǎn)事故發(fā)生之日起計(jì)算。 ? Proposer ，提案人；投保人 ? Insurer n. 承保人，保險(xiǎn)公司 ? Premium n. 費(fèi)用，額外費(fèi)用；保險(xiǎn)費(fèi)；獎(jiǎng)賞，獎(jiǎng)勵(lì)；（商品定價(jià)、貸款利息等以外的）加價(jià) ? Installment ；分期付款；（叢書雜志等的）一部，一期 ? Initial adj. 最初的；開始的；首字母的 ? Suspend vt. 暫停；延緩；暫停；懸浮 vi. 暫緩；懸??；無力支付 ? Therefrom adv. 從那里，從此；從中；由此 ?
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