鐘某人身保險(xiǎn)合同糾紛案例分析.pdf

1、原 創(chuàng) 性 聲 明本人鄭重聲明： 本人所呈交的學(xué)位論文， 是在導(dǎo)師的指導(dǎo)下獨(dú)立進(jìn)行研究所取得的成果。學(xué)位論文中凡引用他人已經(jīng)發(fā)表或未發(fā)表的成果、數(shù)據(jù)、觀點(diǎn)等，均已明確注明出處。 除文中已經(jīng)注明引用的內(nèi)容外， 不包含任何其他個(gè)人或集體已經(jīng)發(fā)表或撰寫過的科研成果。對(duì)本文的研究成果做出重要貢獻(xiàn)的個(gè)人和集體，均已在文中以明確方式標(biāo)明。本聲明的法律責(zé)任由本人承擔(dān)。論文作者簽名： 日 期：關(guān)于學(xué)位論文使用授權(quán)的聲明 關(guān)于學(xué)位論文使用授權(quán)的聲明本人在

2、導(dǎo)師指導(dǎo)下所完成的論文及相關(guān)的職務(wù)作品，知識(shí)產(chǎn)權(quán)歸屬蘭州大學(xué)。本人完全了解蘭州大學(xué)有關(guān)保存、使用學(xué)位論文的規(guī)定，同意學(xué)校保存或向國(guó)家有關(guān)部門或機(jī)構(gòu)送交論文的紙質(zhì)版和電子版， 允許論文被查閱和借閱； 本人授權(quán)蘭州大學(xué)可以將本學(xué)位論文的全部或部分內(nèi)容編入有關(guān)數(shù)據(jù)庫(kù)進(jìn)行檢索， 可以采用任何復(fù)制手段保存和匯編本學(xué)位論文。 本人離校后發(fā)表、 使用學(xué)位論文或與該論文直接相關(guān)的學(xué)術(shù)論文或成果時(shí)，第一署名單位仍然為蘭州大學(xué)。本學(xué)位論文研究?jī)?nèi)容：□可以公

3、開□不宜公開，已在學(xué)位辦公室辦理保密申請(qǐng)，解密后適用本授權(quán)書。（請(qǐng)?jiān)谝陨线x項(xiàng)內(nèi)選擇其中一項(xiàng)打“√”）論文作者簽名： 導(dǎo)師簽名：日 期： 日 期：IICase analysis on the dispute of the Zhong's life insurancecontractAbstractIn personal insurance practice, the insurance contract will always t

4、ake a long time from themoment one insures to the time the insurer accepts insurance. However, the potential risk duringthis period is very huge. The policy-holders put forward the request of insurance and pay the firsti

5、nsurance premium, but they cannot receive the expected compensation after risks take place,which is unfair and unacceptable. With the development of insurance business in our country,more and more people begin to pay att

6、ention to insurance and keen on buying insurance. Theblanking period of legislation on insurance results in many disputes in personal insurance practice,which forces the theorists to uphold the fierce discussion on the p

7、roblems solutions during theblanking period.With the combination of insurance practice, insurance legislation and insurance judicial, thispaper probed into the insurance blanking period problems criticized by society. Wi

8、th thetheoretical researches on foreign laws of insurance, legislation and judicial as references, thispaper began with the governing rules of the insurance blanking period, hoping to protect thepolicy-holders’ benefits.

9、 The main content can be divided into there parts as follows.First, through the case review and trial situation of Zhong’s contract dispute with Ping AnInsurance Company, a simple introduction is made. This introduction

10、includes the problemsoccurred during the blanking period and the main focus of controversy .Second, many points are analyzed based on the juridical logic, which includes the confirm ofthe exact establishment time of the

11、involved insurance contract, the insurance fees received inadvance, the establishment of personal insurance contract, the sign and issue of the insurancepolicy, and the nature of insurance liability during the period of

12、insurance underwriting. Thethinking of the responsibility during the insurance blanking period is aroused later. Thecomparison of governing rules between home and abroad is made.Third, according to the current situation

13、and characters of the insurance practice in home,suggestions on the improvement of insurance blanking period governing rules in our country areproposed, on the basis of foreign governing rules as references. This paper i