保险费支付与保险合同生效的法律关系  

Legal Relations of Insurance Premiums and Insurance Contracts′ Effect

作　　者：李娟[1] 

机构地区：[1]湖北工业大学经济与政法学院,湖北武汉430068

出　　处：《湖北工业大学学报》2008年第6期77-78,共2页Journal of Hubei University of Technology

摘　　要：保险费支付与保险合同生效之间的法律关系,历来为各国保险立法之重点与难点。其一般规则为:在财产保险中,对保险人将保险费支付作为保险合同生效的条件,立法不做禁止性规定;但在投保人事先支付保险费的情形下,保险合同不受保险单未签发的影响而立即生效;而在责任保险领域,应遵循保护善意投保人和保护受害第三人的法益思潮和立法趋势,对上述规则做适当的限制或例外规定。在人身保险中,为保障保险人有充足的偿付能力,保险立法应当强制性规定保险费支付是保险合同生效的必要条件。The legal relations of insurance premiums and insurance contracts′ effect has always been the focuses and difficulties in the insurance legislation.The general rule is that,for property insurance,legislative provisions do not ban the insurers′behavior which takes the insurance premiums′payment as a condition of the insurance contract′ effect.But if the policyholders pay premiums in advance,the insurance contract takes effect immediately,even when the insurance is not signed and issued.In the area of liabili...

关 键 词：保险费 保险合同 合同生效 财产保险 人身保险 法律关系 

分 类 号：D922.284[政治法律—经济法学]