摘要
保险合同中的除外条款既是合同自由的表现,又是保险之本质要求。但基于保险合同的附和性、保险专业性以及保险信息不对称的因素,有必要对保险合同中的除外条款予以控制,以达合同正义与保险业健康发展之功效。通过对除外条款予以司法、立法、行政上的控制,以实现对弱势的保险消费者予以特别保护。各国保险的先进理念及立法之实例,对我国目前保险立法的借鉴大有裨益。
The excluding clauses in insurance contract are both the express of contract freedom and the natural demandment of insurance. Based on the adhesion of insurance contract , specialty of insurance, and asymmetrical information, it is necessary to contract the excluding clauses for contract justice and healthy development of insurance industry. Through judical ,legislative and administrative control, it can provide special protection for weak insurance consumers. The advanced ideas and legislation of many countries＇insurance industry are beneficial to the China＇s insurance legislation which is undertaking.
出处
《沙洋师范高等专科学校学报》
2007年第2期20-23,共4页
Journal of Shayang Teachers College
关键词
保险合同
除外条款
司法控制
立法控制
行政控制
Insurance contract
Excluding clauses
Judical control
Legislative control
Administrative control
