风险管理跟保险课件第4章节资料教材.pptVIP

第一部分 风险管理和保险基础 第1章 风险 第2章 风险管理 第3章 保险 第4章 影响保险合同的基本因素 第5章 保险合同的内容及其分析 第4章 影响保险合同的基本因素 §4.1 Agency Law代理法 The law of agency deals basically with the legal consequences of people acting on behalf of other people or organizations. 代理关系涉及到三方：principal委托人、 agent 代理人和a third party第三方。 The principal(insurer) creates an agency relationship with a second party(agent) by authorizing him or her to make contracts with third parties(policyholders) on the principal’s behalf. So the source of the agent’s authority is the principal. Expressed or Implied Authority明示权限与默示权限 明示权限 When an agent is appointed, the principal expressly indicates the extent of his or her authority. 默示权限 By entering into the relationship, the principal implies that the agent has the authority to fulfill the principal’s responsibilities. Binding Authority约束权限 A binder(暂保单)：the agreement that exists before a contract is issued. 在正式保险合同发出之前的协议。 主要用于财产责任保单。 人寿健康保险代理人一般只能发出conditional binder(有条件的暂保单). A conditional binder implies that coverage exists only if the underwriter ultimately accepts (or would have accepted) the application for insurance. Waiver and Estoppel弃权与禁止反言 Waiver is the intentional relinquishment of a known right. 弃权意味着有意放弃已知的权利。为了弃权，一个人必须知道他享有这种权利并有意放弃它。 Estoppel occurs when the insurer or its agent has led the insured into believing that coverage exists. 当保险公司或代理人让被保险人相信保险关系已经建立起来的时候，禁止反言原则开始生效。 Agency by Estoppel禁止反言的代理关系 An agency relationship may created when the conduct of the principal implies that an agency exists-an agency by estoppel. 如保险人暂停一个代理人的工作，但仍留有一些blank policies空白保单在代理人手中；或被停止工作的代理人把一些业务送给保险人而保险人接受了这些业务时。 §4.2 Requirements of a Contract合同的基本要件 保险合同又称保险契约，它是保险关系双方之间订立的一种在法律上具有约束力的协议。根据当事人的双方约定，一方支付保险费于对方，另一方在保险标的发生约定事故时承担经济补偿责任或者当约定事故出现时履行给付义务的一种法律行为。 任何一份协议要具有法律效力，必须满足以下基本条件： 1、There must be an offer and an acceptance. 2、There must be consideration. 3、The parties to the contract must be competent. 4、Its purpo