摘要
宽限期制度不仅适用于分期付款的人身保险合同,也应当适用于分期付款的财产保险合同。在宽限期的产生方式问题上,我国采取的选择模式不尽合理,合理的宽限期产生方式应为催告模式。保险人应于保费到期之后向投保人发出书面催告,并将催告书送达保险合同载明的投保人最后住址,催告书应载明交费时间、交费金额、以及不交保险费之法律后果。
Grace period system is applicable not only to the regular-premium personal insurance contract, but also to the regular-premium property insurance contract. The initiation of the grace period in our country is not reasonable. A reasonable model is initiating the grace period through sending out written notices. The insurer ought to issue notice in writing to the applicant after the due date of premium. The notice should be sent forward to the latest ad- dress of the applicant specified in insurance contract. The notice should contain premium due date, amount of premium, and the legal consequences for not paying premium.
出处
《保险研究》
CSSCI
北大核心
2012年第12期66-73,共8页
Insurance Studies
基金
作者主持的国家社科基金项目<保险法司法解释及实施问题研究>(项目编号:11CFX019)的阶段性研究成果
关键词
宽限期
财产保险合同
选择模式
催告
grace period
property insurance contract
selection model
notice
