DefinitionandCharacteristicsofInsuranceContracts定義與特征CategoryofInsuranceContractCaseStudyInsuranceContractProvisions條款實例Definitionand 投保人是指與人訂立合同，并按照合同負(fù)有支付費義務(wù)。人是指與投保人訂立合同，并承擔(dān)賠償或者給付金責(zé)任。DefinitionandLegalLegallycompetentpartiesPartiesmusthavelegalcapacitytoenterintoabindingcontractLegalPurposeContractmustbeforalegalLegalFormContractmaybeoralorSome provisions entsmustbeapprovedbyregulatorbeforebeingmarketedCharacteristicsofInsuranceInsuranceprotectsinsured,notthepropertyorliabilitysubjecttoloss.AssignmentInpropertyinsurance,ifownershipofapropertychanges,insurancecontracts(policies)cannotbetransferredtoanotherparty(buyer)withouttheinsurer’swrittenconsent.Inlifeinsurance,thebeneficiaryorownership maybe lyreassigned.Acontractwhosevaluetoeitherorbothofthepartiesdependsonchanceorfutureevents,orwherethemonetaryvaluesoftheparties'performanceareunequal.Theinsurer'sobligationtopayalossdependsonuncertaineventsContractsofadhesionInsurancecontractsaredraftedbyaninsurerandaninsuredmustacceptorrejectallthetermsandInsuredgetsthebenefitoftheCourtstendtoconstrueanambiguousterminan infavorofaninsured.ContractsmaybealteredbytheadditionofridersorendorsementsRider（批單）orendorsement– thatorchangesthe CharacteristicsofInsuranceAninsurer’sobligationtopayaclaimdependsonwhethertheinsuredorthebeneficiaryhascompliedwithallTheinsurermaynotpayaclaimifoneormoreof conditionsarenotcomplied. Onlyonepartymakesalegallyen Insuredarenotlegally dtopaypremiumorrenewthe PremiumpaidbyInsured<ClaimpaidbyBothpartiesshouldadhereto honestytopreventadverseselection is主體（Subject）&客體人

受益 ?經(jīng)紀(jì) ?公估人合同的客體 Aninsurer,orinsurancecarrier,isa sellingthe 公司(StateSoleFunded 相 公司(Mutual 相 社(Insurance合作社(Insurance勞合社 orentitybuyingthe 標(biāo)的具 利益InsurableInterest 費的義務(wù)Paythe利益（Insurable投保人或者 人 標(biāo)的具有的法律上承認(rèn)的利Insurableinterestexistswhenaninsuredderivesafinancialorotherkindofbenefitfromthecontinuousexistenceoftheinsuredobject(orinthecontextof s, survival).hasaninsurableinterestinsomethingwhenloss-ofordamage-tothatthingwouldcausethe sufferafinanciallossorotherkindofloss.Typically,insurableinterestisestablishedbyownership,possession,ordirectrelationship. 人其財產(chǎn)、利益或生命、身體、健康等受合同保障的人。Aninsurancecontractmustindicatethe sor fromwhomtheprotectionisprovidedSomepoliciesinsureonlyone ,e.g.,mostlifeinsuranceThenamedinsuredisthe snamedinthedeclarationssectionofthe maycoverotherpartieseventhoughtheyarenotspecificallynamede.g.,thehomeowners coversresidentrelativesunderage24whoarefull-timestudentsawayfromhome Thebeneficiaryofalife ,iswhoreceivesthepaymentoftheamountofinsuranceafterthedeathoftheinsured.只在人身中發(fā)生事故時出現(xiàn)不必具有利益，但需由被人被人或者投保人可以指定一人或者數(shù)人為金Q:SuccessorVS Q:Whatifbenificiaryandinsureddieatthesame 保單所有人（ 有所有權(quán)的個人或企業(yè)。 （Life Case2006年3月，未婚，其母親太平洋保險公司某支公司為投保5份“老來福終生壽年與魯結(jié)婚，2007年生養(yǎng)一男孩。 QCase ，配偶是“法定” 的“法定”受益人即法律規(guī) 人（Agent）：根據(jù)人委托，向人收取傭金，并在人范圍內(nèi)代為辦理產(chǎn)品推銷業(yè)務(wù)的Agent-theauthorizedrepresentativeofanHasauthoritytoactforinsurerbywrittencontract. beterminatedifagentactsimproperlyIspaidcommissionforworkdoneforHasbindingauthorityasgrantedbyOwesprimaryallegianceto 公估人：公估人是指依照法律規(guī)定設(shè)立，受公司、投保人或被人委托辦理標(biāo)的的查勘、鑒定、估損以及賠AgentVS

CategoryofInsurance CategoryofInsurance CaseStudy:InsuranceContract壽國壽美滿一生年 條款(Provision)——規(guī)定人與被方之間的基本權(quán)利和義務(wù)的條文，它是公司對所承保的標(biāo)的履行責(zé)任CaseStudy:InsuranceContract投保單（InsuranceSlip）又稱“投保書”、“要保 投保書是由人事先準(zhǔn)備、具有統(tǒng)一格式的書據(jù)。投保人必須依其所列項目如實填寫，以供人決定是否承保 CaseStudy:InsuranceContract暫保單（CoverNote）又稱“臨時保單”、“臨時 暫保單具有和正式單同等的法律效力，但一般暫保單的有效期不長，通常不超過30天。當(dāng)正式單出立后，暫保單就自動失效。如果人最后考慮不出立單時，也可以終止暫保單的效力，但必CaseStudy:InsuranceContract 合同的正式證明。單必須完整地記載合同雙方當(dāng)事人的權(quán)利義務(wù)及責(zé)任。單記載的內(nèi)容是合同雙方履行的依據(jù)。單是合同成立的證明。憑證 CaseStudy:InsuranceContract （1）要 （2）承 CaseStudy:InsuranceCont