摘要
意外死亡保险中的时间限制条款,在一定程度上免除了保险人的赔付责任,从而引发了人们对其效力的争议,特别是关于该条款是否违反公序良俗的争议,中外法院对此做出了多种不同的判决意见。法院在对保险合同条款进行审查时,应对以下因素进行考虑:条款设置目的的正当性、手段的科学性、条款的实施效率、条款对当事人的激励效果和公众的接受程度。
The time limitation clause in accidental death insurance contract limit the insurer's liability.There are lots of controversies about the validity of time limitation clause,especially the issue of public policy.Chinese and foreign courts have published varied judgments.When the courts review an insurance clause,the courts should consider the following factors:the legitimacy of purposes,the scientific of means,efficient enforcement of the clause,the incentive effects of the clause,and the acceptance level by public.
出处
《暨南学报（哲学社会科学版）》
CSSCI
北大核心
2014年第9期14-22,160,共9页
Jinan Journal(Philosophy and Social Sciences)
基金
教育部人文社会科学研究基金项目<灾难性损害补偿制度研究>(批准号:10YJC820180)
关键词
意外死亡保险
时间限制条款
司法规制
Accidental Death Insurance
Time Limitation Clause
Judicial Regulation
