chap 6 保险合同的订立.pptVIP

What are we talking about today？ Formation of Insurance Contracts Requirements for an Insurance Contract Offer and acceptance (binder or conditional receipt) Consideration Competent parties Legal purpose Requirements of a Contract Offer and Acceptance Consideration Competent Parties Legal Purpose Legal Form 订立的原则 保险法 第十一条　订立保险合同，应当协商一致,遵循公平原则确定各方的权利和义务。 　　除法律、行政法规规定必须保险的以外，保险合同自愿订立。 自愿的原则 所谓强制保险又称法定保险，是指由法律规定必须参加的保险，强制保险通常是对少数危险范围较广，影响人民利益较大的保险标的实施。强制保险必须在法律、行政法规规定的范围内方得实施，法律、行政法规未作规定的，都应是自愿保险的范畴，由投保人自行决定是否参加，保险公司和其他单位不得强制他人订立保险合同。 第四条　从事保险活动必须遵守法律、行政法规，尊重社会公德，不得损害社会公共利益。 Principle of Insurable Interest? Principle of Utmost Good Faith 不得损害社会公共利益原则 根据这项原则，在订立保险合同时，当事人应当遵守社会公德，承担社会责任，不得作出违背社会公共利益的约定。订立的保险合同有损害社会公共利益的内容的，当事人将承担由此产生的法律后果。 订立的程序Contracting Process Requirements of all Valid Contracts Agreement must be for legal purpose Parties must have legal capacity to contract There must be a valid offer and acceptance In property and liability insurance, it is the custom to give local agents authority to accept offers of many lines of insurance on the spot The agent will bind the insurer A legal offer by an applicant for life insurance must be supported by a tender of the first premium Usually the agent gives the insured a conditional receipt Provides that acceptance takes place when the insurability of the applicant has been determined Promises must be supported by the exchange of consideration The value given to each contracting party Offer and Acceptance: When applying for insurance, the first thing you do is get the proposal form of a particular insurance company. After filling in the requested details, you send the form to the company (sometimes with a?premium check). This is your offer. Application Filled in application attached to the policy and made a part of the contract. Misstatements or misrepresentation can void a policy, specially if company can show it would not have issued policy if it had known the facts. Proposal form Mandator