Lecture Five Analysis of Insurance Contracts.ppt

Lecture Five: Analysis Insurance Contracts ;Learning Objectives ;Main Contents ;;Definition of an insurance contract ;Definition of an insurance contract ; Characteristics of an Insurance Contract; Bilateral contract (双务性）;an insurance contract is a Bilateral Contract, that is both parties should make enforceable promises Some scholars (Wei Huanlin, Sun Qixiang, etc.) The insured should pay the premiums to the insurer, the insurer should pay the loss under the contract. an insurance contract is a Unilateral Contract. (text P39); Aleatory Contract（射幸性）; Indemnity Contract（补偿性）; Conditional contract(条件性）; Personal contract（个人性）; Adhesion contract（附和性）;Basic Parts of An Insurance Contract ; Declarations; Declarations; Declarations; Definitions ; Insuring Agreement ; Insuring Agreement ; Exclusions; Conditions ; Conditions ; Miscellaneous Provisions; 我国《保险法》规定保险合同应该包括下列各项内容;The forms of an insurance contract ; Definition of the “insured” ; Endorsements and Riders; Deductibles ; Deductibles ; Deductibles ; Coinsurance ;Nature of Coinsurance;Nature of Coinsurance;Purpose of Coinsurance;Coinsurance in Health Insurance; Other Insurance Provisions ; Changes and termination of insurance contract; Disputes settlement ;Summary ;Summary ;Review questions