商法——人身保险

Personalinsurance、Concept、personsinsecinsurnendwhitheubjectrityofinsranceisthelifeandoboyofaperson .人身保险是以人的寿命和身体为保险对象的保险。 Form、aninsuraccontracticalconthefollowing :保险合同应当包括：1.Nameanddomicileoftheinsurer； (1)保险人的名称和地址2.namesanddomicilesoftheproposerandsthesinsured，aswellasthenameandsdomicilefthebeneficiaryinthecaseofpersonalinsurann (二)投保人、被保人姓名或名称、地址及人身保险受保人姓名或名称、地址，3.Thesubjectmatterofinsurance； (三)保险标的4.insuranceliabilityandaliabilityexemptions； (四)保险责任和责任豁免5.termandstartingdateofcoverage； (五)保险期限和保险责任开始时间6.Theinsuredamount； (六)保险金额7.insurancepremiumandthepaymentmethod； (七)保险费和支付方法，8.methodforpaityofinindmitiesorinsurancesbenefit； (八)保险金的赔偿或支付方法9.liabilityforbrechofcontractsanddisputeresolution； and(9)违约责任和争议处理10.dateofconclusionofcontract.(10 )签订合同的年、月、日。 theproproserandtheinserrmareageuponthermattersrelatingtothesinsurance .投保人和投保人可以承诺保险的其他事项。PersonalInsuranceContract人身保险合同abeneficiaryreferstoapersonwhohasbeendesignaledbytheinserderverthinstttttttoneythetherighttonsure theinsinsrantortheinsinsredmaybethebeneficiary.inpopiningbeneficiaries，theinsinsrnshallthehepprovaloftheinsd .投保人或投保人为受益人指定受益人时，投保人必须得到保险人的同意。 iftheinsinssredisspartionsancableofcivilactsorwhosecapabilityofcivilactssrestricted，theguardianshallappintthebeneficiaries 、personsinsurncecontracticle 31 aproposershallhaveaninsurableinterhefollowingpersons :1.him/her shers； 2.his/herspouse，childrenorparents； 3.otherfamillymembersorcloserretives，inditiontothoseaforemented，whohaveafoster，supportformaintenancesrelationshipwithepropose and4. employseshowhavenemennerprolenterrationshipwithheproposer .第31条投保人对以下人享有保险利益： (1)本人(2)配偶、子女、父母(3)除前项以外与投保人有抚养、赡养或扶养关系的家庭其他成员，近亲(4)与投保人有劳动关系的劳动者。 inditiontothecricalminstancementedinthepredingparagraph thepropprosersharshileedeetohavanninsratinsurefidthesinsuredconsenstitity heconthecontectthecontbetheproposeronhis/if，atthetimeothetheconnclustionofttheccontract，thepropeseddendanhavinnsrableinte thecontractshallbeinvalid .签订合同时，保险人没有保险利益的情况下，合同无效。 iftheatgeoftheinsuredreportedbytheproprotisservicessandthesinsuredstrueagedosnotcomywithtargerestricationspecifiedinthecconted heetherationethecontacctandrefund，inaccordancewiththecontract， thecashvalueofthepolicy.theta hirdaphrapgraphandssixthparagraphofarticle 16 hereoffshallapplitheexercesbytheinsurerofitsrighttotte 投保人申报的被保人年龄不真实，其真实年龄不符合合同约定的年龄限制，投保人可以解除合同，根据合同返还保单现金价值。 保险人行使合同解除权，适用本法第16条第3款、第6款的规定。iftheageoftheinsuredreportedbytheproposerialsfalse， resultintheproptinthepropprotserpayinglinersurancepranemhatheninsuranceprandimumhatshowldhavebeepaid theissinsrershallhavethete esthesproposertomakeupforthepremiuminshort，or， whennpayinsurancebenefit disbarsesetheameinkproportiontheperationageofthesinsperationageofthesinsancepremiumthatshouldhavebeepa ancepremiumactualloypaid .投保人申报的投保人支付的保险费不足保险费的情况下，投保人有权要求投保人更正支付保险费，或者在支付保险费时以支付保险费和保险费的比例支付。 iftheageoftheinsuredreportedbytheproposerialsfalse， resultintheproptinthepropprotserpainghinersuranceprannemhatheninsuranceprandimimhatshowldhavebeepaid theinsurershallrefundtheexx r .投保人申报的投保人年龄不实，投保人支付的保险费比投保人多的情况下，投保人必须将多收的保险费返还给投保人。 article 33 aproposermaynottakeoutapersonalinsurancepolicystipulatingdeathasacditionforpationofofsinservenethentitionforpationsons posern .投保人takeout处理(保险) 程序personalinsurance人身保险stipulating.asacondition以.为条件的apersonwithoutcapacityforcivilacts民事行为能力者第33条保险人以死亡为没有民事行为能力者支付保险金的条件therestructionsoftheprecedingparagraphshallnotappletsonalinsurancepolicyistakenbyparentsfortheirminoricon.however计算机， lofthesinsurancebenefitspayableuponthedefheinsuredmaynotexceedthelimiteddythestatuncilsinsurancesregulatoryauthority.preceded .以.适用于minorchildren未成年的儿童payupon.为支付条件的insurancebenefits保险的利益exceedthelimit超过了限制specifiedyv . 国务院监督管理机构)父母给未成年儿童投保的人身保险不限于上述规定。 但因保险人死亡而支付的保险金总额不得超过国务院保险监督管理机构规定的限额。 article 34 acontractstipulatingdeathasacditionforpaymentoffinsurancebenefitsshallinvalidwithouttheconsentoftheinsuredandsi/herapprovalofthesinsuredamount.consentn.the insured被保险人theinsuredamount保险金额第34条同意以死亡为保险费支付条件的合同，未经被保险人同意承认保险金额的， 合同无效insansurrancentpolicationdardencentwithactrintactitionforpayofinsinsurancebenefitsmaynotbetransferredwithoutthe writtenn insurancepolicydocument保险单inaccordanceswith.transferv .转让pledgev .根据以死亡为保险费支付条件的合同发行的保险单，除非经保险人书面同意，否则不得转让或质押。 therestricionsofthefirstparagraphereofshallnotapplytopersonalinsurancespolicyistakenbyparentsfortheirminoridern.hereofsadv .在此人身保险不受本条第一款规定的限制，包括PersonalInsuranceContract、Article35Aproposermay、 inaccordancewiththecontract pytheineinterinersarrchnencentprimumtotheinsrerinonelumpsumorpayitininstallments .第35条投保人按照合同约定进行保险insurer、PersonalInsuranceContract、Article36 (第1号) iftthecontractionprovethepayininstalmentsoftheinsuncepremium、 and the proposer aferpaymentoftheinitiallinstallmentofthesinsurancepremium firistoayaninstantwithin 30 daysaftthedateofareminderfroment daysafterthespecifiedimelimit thevalidityofthecontheconthessbespenddotheinsreshallredredrancodencodenthecond