篇名

人身商業保險的停效及復效制度與實務做法之檢討   免費試閱

並列篇名

Review of the Lapse and Reinstatement System and Practice of Life Insurance

作者
中文摘要

人身商業保險的停效及復效制度對於保障計畫的延續至關重要,可讓歷時數10年的保險契約不因要保人短期的財務起伏而告終止,可在一定的時間內藉由復效的做法,讓保險契約持續下去,提供被保險人完整的保障。值此癌症險及重大傷病險取消復效等待期之際,本文嘗試介紹保險契約如何停效、如何復效、保單停效的法律效果與不同的停效期間復效的不同做法,並探討壽險公司在復效實務上的一些做法是否符合法律規範,以及復效的核保權範圍為何,最後就保險法第116條規定可能造成的道德風險疑慮,試著提出防範之道。

英文摘要

The lapse and reinstatement system of personal business insurance is essential to the continuation of the protection plan, which allows the insurance contract that lasts for decades will not be terminated for the short-term financial fluctuation of the policyholder. The practice of reinstatement allows the insurance contract to continue and provide the policyholder with complete protection in a period of time. On the occasion of the cancellation of the reinstatement waiting period for this cancer insurance and critical illness insurance, this paper attempts to introduce the lapse and reinstatement of the insurance contract, the legal effect of policy lapse, and the different practices of reinstatement during different lapse periods. We also discuss whether the practices of life insurance company in reinstatement conform to legal norms, and the range of reinstatement of underwriting rights. Finally, we try to find a solution from the morality risk that may be caused by article 116 of the Insurance Law.

起訖頁

007-016

出版單位
DOI

10.3966/241553062019020028001  複製DOI  DOI查詢

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