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題名 保險法關於複保險規定之問題與修正建議
其他題名 Problems of Regulations about Double Insurance in Insurance Act and the Proposal of the Amendment
作者 葉啟洲
Yeh,Chi-Chou
貢獻者 風管系
關鍵詞 複保險; 積極保險 ; 消極保險 ; 連帶責任 ; 通知義務 ; 不當得利
double insurance; active insurance; passive insurance ; joint liability ;duty of notification; unjust enrichment
日期 2011-03
上傳時間 4-Mar-2014 16:59:13 (UTC+8)
摘要 複保險制度,主要在於避免因要保人重複投保的事實,以化整為零的方式,分別自不同的保險人處獲得超過其實際損害額的保險給付,導致保險法上之損害填補原則遭到破壞。現行法對於複保險之規定有許多問題存在,本文擬分析現行法的規範缺失,並且提出具體之修正建議。包含修正保險法第37條惡意複保險的法律要件及效果;第38條善意複保險下,各保險人對內對外如何負保險給付之責;新增第38條之1針對消極保險所發生的重複填補情形的處理方式;以及第23條關於複保險的銷除機制之建立等,全盤探討我國複保險法制之規範。
The Regulations about double insurance in Insurance Act prevent from the over-indemnity of the losses of policyholder and the moral hazard. But the existing provisions have various problems and these lead to the unjust enrichment of the insured. On the other Hand, the protection of insured seems insufficient by the rule of pro rata liability of insurers. This article analyzes the defects of the regulations and makes a proposal of the Amendment of the Insurance Act.
關聯 保險經營與制度, 10(1), 1-22
資料類型 article
dc.contributor 風管系en_US
dc.creator (作者) 葉啟洲zh_TW
dc.creator (作者) Yeh,Chi-Chouen_US
dc.date (日期) 2011-03en_US
dc.date.accessioned 4-Mar-2014 16:59:13 (UTC+8)-
dc.date.available 4-Mar-2014 16:59:13 (UTC+8)-
dc.date.issued (上傳時間) 4-Mar-2014 16:59:13 (UTC+8)-
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/64433-
dc.description.abstract (摘要) 複保險制度,主要在於避免因要保人重複投保的事實,以化整為零的方式,分別自不同的保險人處獲得超過其實際損害額的保險給付,導致保險法上之損害填補原則遭到破壞。現行法對於複保險之規定有許多問題存在,本文擬分析現行法的規範缺失,並且提出具體之修正建議。包含修正保險法第37條惡意複保險的法律要件及效果;第38條善意複保險下,各保險人對內對外如何負保險給付之責;新增第38條之1針對消極保險所發生的重複填補情形的處理方式;以及第23條關於複保險的銷除機制之建立等,全盤探討我國複保險法制之規範。en_US
dc.description.abstract (摘要) The Regulations about double insurance in Insurance Act prevent from the over-indemnity of the losses of policyholder and the moral hazard. But the existing provisions have various problems and these lead to the unjust enrichment of the insured. On the other Hand, the protection of insured seems insufficient by the rule of pro rata liability of insurers. This article analyzes the defects of the regulations and makes a proposal of the Amendment of the Insurance Act.en_US
dc.format.extent 1277353 bytes-
dc.format.mimetype application/pdf-
dc.language.iso en_US-
dc.relation (關聯) 保險經營與制度, 10(1), 1-22en_US
dc.subject (關鍵詞) 複保險; 積極保險 ; 消極保險 ; 連帶責任 ; 通知義務 ; 不當得利en_US
dc.subject (關鍵詞) double insurance; active insurance; passive insurance ; joint liability ;duty of notification; unjust enrichmenten_US
dc.title (題名) 保險法關於複保險規定之問題與修正建議zh_TW
dc.title.alternative (其他題名) Problems of Regulations about Double Insurance in Insurance Act and the Proposal of the Amendmenten_US
dc.type (資料類型) articleen