论文部分内容阅读
法律意义上的保险有广义和狭义两种,广义的保险包括商业保险和社会保险等.狭义保险仅指商业保险.一般说来,在保险法中所规定的都是商业保险,所以本文所指“保险”,为狭义保险.保险法是调整保险关系的法律,所以要研究保险法,首先要明了保险的构成要件,只有这样,才能更好地运用和贯彻保险法,促进保险业的发展.我国保险法给保险下的定义为:本法所称保险,是指投保人根据合同约定,向保险人支付保险费,保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任,或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为.由此可见,保险一方面可以负担经济损失,另一方面又必须履行保险合同,所以,保险关系实质上是一种社会经济关系和民事法律关系的集合体.
In the legal sense, there are two kinds of insurance in broad sense and narrow sense. The generalized insurance includes commercial insurance, social insurance, etc. Narrow insurance only refers to commercial insurance.Generally, all the insurance policies stipulate are commercial insurance, so the meaning of “ Insurance ”is narrow insurance.Insurance law is the law of adjusting the insurance relationship, so to study the insurance law, we must first understand the elements of insurance, the only way to better use and implement the insurance law to promote the development of the insurance industry. The definition of insurance under this Law means that the insured pays the insurance premiums to the insurer in accordance with the contract and the insurer shall bear the liability for compensation for the property damage caused by the occurrence of the possible accident as stipulated in the contract, Or when the insured person dies, is disabled, ill, or reaches the age and term as agreed in the contract, undertakes the commercial insurance act of paying the insurance liability, thus it can be seen that the insurance can afford the economic losses on the one hand and the insurance contract on the other hand Therefore, the insurance relationship is essentially a collection of social and economic relations and civil legal relations.