团体保险中的“代理”规则与“通知——损害”规则——以美国两则典型判例为中心

The "Agency Rule" and the "Notice-Prejudice Rule" in Group Insurance

团体保险不同于普通人身保险之处就在于被保险人的多数性,故在团体保险中必须创制合理的制度保护被保险人的合法权益。从美国两个典型的判例产生的"代理"规则和"通知—损害"规则的分析中,我们可以得出团体保险中这两个规则适用的许多启示。

Group insurance differs from personal insurance in the number of insurants, so reasonable institution should be created to protect the legal rights of the insured. The paper focuses on the ＂agency rule＂ and the ＂notice-prejudice rule＂ derived from the precedents, and then argues the practice of the two rules.