摘要
人身保险合同纠纷历来是保险业纠纷的重中之重。在保险理赔纠纷中,尤以保险人行使合同解除权从而拒绝保险赔偿为多,新《保险法》出台以后,从保护投保人权益角度出发,对于保险人合同解除权进行了修改,修改后加大了投保人的权益保护,但现实中投保人的逆选择有所增多,保险公司的经营风险增大,本文通过对新《保险法》中关于保险人保险合同解除权限制进行分析论述,对寿险公司的经营提出了相应法律建议。
Personal insurance contract disputes are always the top priority subject among insurance-related disputes. Among insurance claims disputes, the most common cases are that insurers exercise the right to terminate the insurance contract and refuse to pay insurance indemnity. With an intention to protect the policyholders＇ rights and interests, the insurers＇ right to terminate the contract was amended in the new Insurance Law, which offers greater protection to the policyholders. However, this amendment has led to an increase of adverse selection on the part of the policyholders, which causes a higher operation risk for insurance companies. This article analyzed the restrictions on the insurers＇ right to terminate the insurance contract as stipulated in the new Insurance Law and through the analysis provided corresponding suggestions on the operation for life insurance companies.
出处
《保险研究》
北大核心
2010年第11期125-127,共3页
Insurance Studies
关键词
保险法
保险合同
解除权
不可抗辩
Insurance law
insurance contract
right of termination
incontestable
