保险合同解释中的合理期待原则的研究

《保险合同解释中的合理期待原则的研究》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、用前提，并应从投保人的主客观条件、保险人对投保人期待的认知能力等因素来把握期待的“合理扎I生，同时对合理期待的适用存在仅限于格式条款、不适用于制定法或行政法规规定的条款等的限制。总之，合理期待原则对保险人之制度性优越地位起到了很好的限制作用，有效的平衡了双方当事人的利益，其精髓值得我国保险法汲取。关键词：保险合同，合理期待原则，格式合同，合同解释原则，保险法IlABSTRACTReasonableExpectationPrinciple，anew—emergingprincipleoftheinsu

2、rancecontractinterpretation，refersthatoneshouldtakethereasonableexpectation，whichisarousedbytheinsurerorinsured’Scovenantedpurposeofthecontract，asthestartingpointwhentheclienthasdisputeintheinterpretationoftheinsurancecontent．Theprincipleistheconcretem

3、anifestationofthoughtofspiritlawininsurancecontractabouttheregulationinoverflowingmodelcontract，thepursuitofjusticeincontractlawintherealmeaning．Itisofgreatimportanceinprotectingtheinterestsoftheinsuredortheinsurerandpromotingthedevelopmentofinsurancei

4、ndustry．Sincetheprincipleofreasonableexpectationsgenerated，ithasbeencontroversial，whichismainlybecausefirst，thetheoryisnotonlyadeparturefromtheprincipleof¨strictandexplicittermsofthecontracttoperform"andthebasicprinciplesofcontractlaw,andbeyondthetradi

5、tionaltheoryoftheinsurancecontractinterpretation；Second，inpractice，thereisdoubtwhethertheprincipleshouldbebasedonintermsofthecontractfortheapplicationofthepremise，and”reasonable¨standardisdifficulttograsp．Withthisregard，lookingattheviewsofscholarsdemes

6、ticandabroad，generally,onlyoneaspectoftheprincipleisinvolvedintheexploration，notyetfullycomprehensive，systemeticones．Therefore，itisnecessarybothintheoryandpractice，toexploretheprincipleinwaysofin—depth，comprehensive，systematic．Fromtheviewinoriginofther

7、easonableexpectationprinciple，itsemergencehasdeepsocialheritageandprofoundhistoricalbackground．Inordertocomformtothedevelopmentofsocialeconomyandcopewiththechangeofreality,itisproposedandthendevelopsininsurancecontract．Toanalyzetheprincipleofreasonable

8、expectationsfromtheIIIlegalpointofview,itisfoundthattheprincipleisforcetoemergetopursuittherealmeaningofcontract，whentheclient’Sfreedomofcontractandatonomyofwillarelimited，aswellasthetraditionalcontracttheoryisunabletoprotectthelegitima