| 关于重复保险制度的探讨 |
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| 引用本文： | 宋玥. 关于重复保险制度的探讨[J]. 白城师范学院学报, 2007, 0(1) |
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| 作者姓名： | 宋玥 |
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| 作者单位： | 吉林大学法学院 吉林长春130012 |
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| 摘 要： | 本文主要探讨了2002年修改后的我国《保险法》中的重复保险制度,指出了有关制度中的不完善之处,包括重复保险的界定不严谨;财产保险与人身保险的划分不严谨;重复保险的通知义务不明确、责任承担方式不科学和缺失退费条款。同时提出了相应的建议,从狭义的方式界定重复保险;商业保险重新划分为损失填补保险与定额给付保险或者将健康和伤害保险从人身保险中抽离出来;明确列出投保人履行通知义务的项目和法律后果、采用连带责任模式和规定合理的重复保险退费标准。
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| 关 键 词： | 重复保险 损失填补 通知义务 连带责任 退费条款 |
A Probe into Double Insurance System |
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| SONG Yue. A Probe into Double Insurance System[J]. Journal of Baicheng Normal College, 2007, 0(1) |
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| Authors: | SONG Yue |
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| Abstract: | This paper mainly relates the Double Insurance System in INSURANCE LAW which was amended in 2002.It points out the imperfection of the system including the unclear delimtation of duplication insurance,the inexact division of property insurance and personal insurance,the vague notification obligation,the unscientific ways of taking responsibility and the absense of the provisions for returning charges.At the same time,some corresponding suggestions are offered,the double insurance is defined from the narrow sense,commercial insurance in divided into loss-compensation insurance and quota-paid insurance or draws out the health and injury insurance from personal insurance,it illustrates clearly the notification obligation items and legal consequences which insurance applicants have to carry out.It adopts solidarist responsibility patterns and prescribes reasonable standards for returning charges. |
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| Keywords: | duble insurance loss compensation obligation of notification solidarist responsibility back fee item |
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