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论保险合同的解除权 (1).doc


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保险合同具有射幸性、附合性等特性,当保险合同的缔约基础不复存在、目的达不到或者双方不愿继续履约时,有必要赋予当事人解除合同的权利,使得合同关系消灭以避免或减少不必要的损失。保险合同解除是保险合同的当事人依法或依约行使合同解除权,使已经生效的保险合同提前终止的法律行为,是被保人享有的一项非常重要权利,对于保护被保人的合法权益不受侵害具有重大意义。被保人的合同解除权分为法定解除权和约定解除权两个方面,目前在大多数保险合同中,保险责任能否转化为赔偿义务则依赖于被被保人是否在保险期限内发生保险事故。正是因为这种射幸性,在实践中投保人大多数希望被保人在保险期间不发生保险事故,所以很少主动主张解除保险合同。但保险合同的解除权仍是投保人在法律上应享有的一项重要义务,本文采用了实例分析、比较研究就法定解除权的行使、解除及消灭形式,试图搭建一套实质公正、体系完整的保险合同解除制度。并提出完善我国保险合同解除制度的若干建议。
关键词
保险合同法;法定解除;约定解除;解除权消灭
ABSTRACT

The insurance contract has the aleatory nature, with bined resistance, to continue resistance and other characteristics, when the parties no longer the basis of the insurance contract, the purpose is not reached or when both sides are unwilling to continue the performance, it is necessary to give the rights of the parties to terminate the contract, to make the elimination of contractual relations avoid or reduce unnecessary insurance contract is terminated in accordance with law or according to the contract the parties to exercise the right to rescind the contract, so that the insurance contract has been in effect early termination of the legal acts of the insurance contract, is an important right enjoyed by the insured, for the maintenance of the legitimate rights and interests are not insured infringement of great significance. Insured's right to terminate the contract into the statutory right of cancellation and both agreed right of cancellation, present in most insurance contracts, the insurance can be transformed pensatory obligations depend on whether the insurance is the insured occurred within the insurance period accident. It is precisely because of this kind of aleatory, in practice, most expect the insured policyholders insured event occurs during the insurance, so rarely take the initiative to terminate the insurance contract claims. But the right to terminate the insurance contract remains an important legal obligation on the insured are entitled, we use a case study, comparative study on the

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  • 页数14
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  • 时间2015-05-28
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