2保险合同概述.ppt

二、Insurance Contracts Overview 2.1 Overview 2.1.1 Meaning and nature 2.1.2 Types of Insurance Contracts 2.1.3 Subjects and Object of Insurance Contracts 2.1.1 Meaning and nature 1） Meaning(概念） 　　Article10： “insurance contract” is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer. 　　 保险合同是投保人与保险人约定保险权利义务关系的协议。 2） nature 双务合同 ∧ 单务合同？ 有偿合同 ∧ 无偿合同？ 诺成合同 ∧ 实践合同？ 射幸合同 ∧ 交换合同？ 附和合同 ∧ 协商合同？ 非要式合同 ∧ 要式合同 ？ 保险合同特殊的双务合同 保险合同的双务内容是否实现是不确定的。 Q:能否适用同时履行抗辩权？ 保险合同中双务内容并不一定对等。 保险合同是特殊的有偿合同 保险合同的有偿性在具体的保险合同中，并非必然实现。 保险合同的有偿性是不等价的。 保险合同是否是诺成合同？ Article 13 An insurance contract is formed when an applicant requests insurance and the insurer agrees to underwrite such insurance. 投保人提出保险要求，经保险人同意承保，保险合同成立。 The insurance contract formed in accordance with applicable laws shall be effective upon its formation. 依法成立的保险合同，自成立时生效。 Article 14 Once an insurance contract is formed, the applicant shall pay the premium in accordance with the terms and conditions provided for in the contract and the insurer will be at risk effective from the date as agreed to in the insurance contract. 第十四条 保险合同成立后，投保人按照约定交付保险费，保险人按照约定的时间开始承担保险责任。 Article 15 The applicant may rescind the contract but the insurer may not do so after it is formed, unless otherwise stipulated hereby or agreed in insurance contract. 第十五条 除本法另有规定或者保险合同另有约定外，保险合同成立后，投保人可以解除合同，保险人不得解除合同。 保险合同是附和合同 Article 13 An insurance contract is formed when an applicant requests insurance and the insurer agrees to underwrite such insurance. The insurer shall issue in time an insurance policy or other insurance certificates to the insurance.The insurance policy or other insurance certificates shall specify the contract contents agreed by both parties thereto. The concerned parties may also agree to specify such contents in other written forms. 第十三条 投保人提出保险要求，经保险人同意承保，保险合同成立。保险人应当及时向投保人签发保险单或者其他保险凭证。　　保险单或者其他保险凭证应当载明当事人双方约定的合同内容。当事人也可以约定采用其他书面形式载明合同内容。（新增）　　 Article