论人身保险合同中被保险人同意权.pdf

东南大学硕士论文中文摘要人身保险合同领域中,保险利益具有主观性,难以使用客观的利益关系加以确定, 故很难防范道德危险的发生。此时需要经被保险人同意权的设置来确定,这样通过同意这一意思表示客观化地确认人与人之间的关系。本文就新《保险法》涉及到被保险人同意权部分条款进行探讨,进一步分析该同意权的立法意旨。全文由引言、正文、结语三部分构成: 引言:在市场经济大背景下,新《保险法》的出台意义霞大。从此背景出发,重新探讨涉及被保险人同意权的有关条款的立法新特点。正文分为六章:第一章定义被保险人同意权为被保险人在投保人是第三人的情形下,所享有同意作为被保险人签订人身保险合同、确定受益人及进行保单转让或质押的权利,并对被保险人同意权进行分类,尤其就以死亡给付为条件,具体分析被保险人同意权之分类。第二章阐述了被保险人同意权的立法依据:确认人身保险利益、杜绝道德风险:尊重被保险人人格权、提高自我决断力:扩大人身保险利益、满足保险需求。而第三章分别从事先同意和事后同意出发,就目的意义来说,应当赋予被保险人以完整且自主的同意权,即统括事前同意和事后同意第四章就被保险人不同类型同意权的构成要件进行了分析,特别是在受益人变更问题上,细致分析了被保险人同意权作用效果。第五章则针对被保险人的同意权探讨其是否能撤销,并进而论述得撤销情形,撤销产生的法律效果。第六章以保险合同的生效要件为基础,着重分析死亡保险领域中被保险人同意权对合同效力的影响。因而,第一章至第三章侧重于被保险人同意权本体的分析,而第四章至第六章侧重于被保险人同意权构成及其作用的分析。文末简单作结,结合我国保险立法和实务操作,人身保险利益的认定适用同意原则具有必要性与可行性。关键词: 被保险人同意权,构成要件,变更权,撤销,合同效力 Abstract Abstract Inthefield ofperson insurance contract,insurance interests isdifficult to use theobjective interestrelationship toestablish,SO it'sdifficult toprevent the occurrence of moral benefit of Life insurance must be through with the consent ofthe insured,through themeaning ofthesaid tOagree toconfirmobjective relationship between paper isabout thenew”insurance law”with consent oftheinsuredright part of theterm are discussed,with the consent oftheinsured tofurtherunderstand oftheright of legislative intention. Thisarticleconsists ofthreeparts,introduction,body and conclusion. Introduction:Under thebackground ofMarket Economy,the new”insurance law”shows tothebackground,discuss with the consent oftheinsured right legislation new characteristics. The body isdivided intosixchapters:the firstchapter thedefinition oftheinsured person consent tothecircumstances oftheinsured person insured is athirdperson,enjoyed by consent astheinsuredsigned alifeinsurance contract,identifying beneficiaries and policy transfer or pledgerights,and consent of the insurer theright toclassify,particularly with regard todeathbenefits as acondition,the specificanalysis oftheclassificatio