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1、What are we talking about today？Formation of Insurance Contractsn订立的程序Contracting Process n成立、生效与保险责任开始 n合同的形式1Requirements for an Insurance ContractnOffer and acceptance (binder or conditional receipt)nConsiderationnCompetent partiesnLegal purpose2Requirements of a ContractnOffer and AcceptancenCon
2、siderationnCompetent PartiesnLegal PurposenLegal Form3订立的原则n保险法n第十一条 订立保险合同，应当协商一致,遵 循公平原则确定各方的权利和义务。n 除法律、行政法规规定必须保险的以外 ，保险合同自愿订立。 4自愿的原则 n所谓强制保险又称法定保险，是指由法律规 定必须参加的保险，强制保险通常是对少数 危险范围较广，影响人民利益较大的保险标 的实施。强制保险必须在法律、行政法规规 定的范围内方得实施，法律、行政法规未作 规定的，都应是自愿保险的范畴，由投保人 自行决定是否参加，保险公司和其他单位不 得强制他人订立保险合同。 5n第四条 从
3、事保险活动必须遵守法律、行政 法规，尊重社会公德，不得损害社会公共利 益。n Principle of Insurable Interest n Principle of Utmost Good Faith6不得损害社会公共利益原则n根据这项原则，在订立保险合同时，当事人 应当遵守社会公德，承担社会责任，不得作 出违背社会公共利益的约定。订立的保险合 同有损害社会公共利益的内容的，当事人将 承担由此产生的法律后果。 7订立的程序Contracting Process8Requirements of all Valid Contracts nAgreement must be for legal
4、 purpose nParties must have legal capacity to contract nThere must be a valid offer and acceptance nIn property and liability insurance, it is the custom to give local agents authority to accept offers of many lines of insurance on the spot nThe agent will bind the insurer nA legal offer by an appli
5、cant for life insurance must be supported by a tender of the first premium nUsually the agent gives the insured a conditional receipt Provides that acceptance takes place when the insurability of the applicant has been determined nPromises must be supported by the exchange of consideration nThe valu
6、e given to each contracting party 9Offer and Acceptance:nWhen applying for insurance, the first thing you do is get the proposal form of a particular insurance company. After filling in the requested details, you send the form to the company (sometimes with a premium check). This is your offer. 10Ap
7、plicationnFilled in application attached to the policy and made a part of the contract.nMisstatements or misrepresentation can void a policy, specially if company can show it would not have issued policy if it had known the facts.11Proposal formnMandatory nForm elicits following information lPersona
8、l detailslPhysical conditionlHabits and pastimeslOther or previous insuranceslPrevious accidents or illnesslSelection of benefits and sum insuredldeclaration12Proposal formnPersonal details age, height, weight, full description of occupation and average monthly incomeoAge indicates whether is within
9、 limits of age for entrantsoWeight less able to avoid certain types of accidents14Proposal formnDiabetes retards recovery wound may not heal quickly and disablement unduly prolonged nMedical history of proposer to be examined to check resultant effect of illness and injuries on future accident risks
10、 nSome diseases make risk uninsurable e.g. valvular【解】瓣（膜）的 disease of heart nHazardous pastimes mountaineering, polo, motor racing, aerobatics etc require extra premium15Occupation nInsurance based on a certain occupation (declared in proposal) nExpress condition notice of change in occupation to b
11、e informed to insurers nInsurers - legal right to repudiate claim if occupation is not same as mentioned in proposal nBut not usually done, though insurers need not admit claim. nIf omission is due to genuine oversight, small losses can be budgeted out of the persons incomenReduce moral and morale h
12、azard37Consideration:nThis is the premium or the future premiums that you have to pay to your insurance company. nFor insurers, consideration also refers to the money paid out to you should you file an insurance claim. nThis means that each party to the contract must provide some value to the relati
13、onship. 38ConsiderationnConsideration the values that each party exchangeConsiderationPayment of premiumPromise to pay premium39保险人的对价n保险人的对价是支付保险金的承诺，n例如，车险条款中保险人通常承诺，被保险 人或其允许的驾驶人员在使用保险车辆过程 中，因特定原因造成保险车辆的损失，保险 人负责赔偿；n意外伤害险中保险人承诺，被保险人在保险 责任有效期间内，因遭受意外伤害而致死亡 或残疾的，保险人依约定给付保险金。40Legal Capacity:nYou ne
14、ed to be legally competent to enter into an agreement with your insurer. If you are a minor or are mentally ill, for example, then you may not be qualified to make contracts. nSimilarly, insurers are considered to be competent if they are licensed under the prevailing regulations that govern them. 4
15、1Legal CapacityInsane or intoxicated not competentMinors may void contract before attaining majority (some exceptions)Insurer presumed to be competent if meets statutory requirements to be licensed42Legal Purpose:nIf the purpose of your contract is to encourage illegal activities, it is invalid. 43P
16、urpose Not Contrary to Public InterestAll Contracts agreement to commit criminal act is not a legal contractInsurance Must be an Insurable InterestLife insurance when the contract is writtenProperty insurance at the time of the loss 44What is a CONTRACT OF INSURANCECONTRACT OF INSURANCE ?Client Agent Services45CONTRACT OF INSURANCECONTRACT OF INSURANCEIn between the insured and insurer In betwe
