论文部分内容阅读
十一届全国人大常委会第七次会议于2009年2月28日表决通过了修订后的《保险法》。新法已于2009年10月1日开始实施,与原法相比在保险合同法律规范、保险行业基本制度、以及保险监管等方面进行了完善。新法突出了以人为本的宗旨,切实加强了对投保人、被保险人和受益人合法权益的保护,更加注重实践,不仅解决了实际问题,亦使得保险人和被保险人双方的行为更积极,在保护保险消费者利益的同时更加体现出新法的合理性。其中保险合同条款的修改进一步明确了保险活动当事人的权利、义务,完善了保险合同的具体规定,真正切实地保障消费者的权益。首先,明确保险人行使合同解除权的期限,增设保险合同不可抗辩条款,设立禁止反言的规则。其次,规范格式条款,防止保险销售误导,保护弱势被保险人。最后,明确保险人理赔的程序和时限,以利于被保险人保险金请求权的实现。
The Seventh National People’s Congress Standing Committee on February 28, 2009 passed the revised “Insurance Law.” The new law was put into effect on October 1, 2009 and has been improved compared with the original law in terms of the legal norms of insurance contracts, the basic insurance system, and the insurance regulation. The new law has promulgated the principle of putting people first, effectively strengthened the protection of the lawful rights and interests of policyholders, insureds and beneficiaries, and put more emphasis on practice, not only solving practical problems, but also making the behavior of insurers and insureds more active. While protecting the interests of consumers, it also reflects the rationality of the new law. The revision of the terms of the insurance contract further clarifies the rights and obligations of the parties involved in the insurance activities, improves the specific provisions of insurance contracts, and truly protects the rights and interests of consumers. First of all, make clear the deadline for the insurer to exercise the right to terminate the contract, add the irresistible clause of the insurance contract, and set up a rule prohibiting anti-escalation. Second, the standard format of the provisions to prevent misleading sales of insurance, protection of vulnerable insured. Finally, the procedures and time limits of the insurer’s claims should be clarified in order to facilitate the realization of the claims of the insured person.