投保单上未签字的特约条款的效力认定——关于一起财险赔付案的分析  

作　　者：彭跃发 万代红[2] 

机构地区：[1]南昌保险学校,江西南昌330001 [2]中国人民财产保险股份有限公司南昌市分公司,江西南昌330003

出　　处：《保险职业学院学报》2009年第6期43-46,共4页Journal of Insurance Professional College

摘　　要：在近年来的司法实践中,涉及确认合同中特约条款效力的案件越来越多。这是一起因"特约条款"所引起的保险合同纠纷案件。投保人以自己始终未在投保单上签字,来否认"特约条款"的效力。而本人认为,投保人始终未在投保单上签字,正好说明投保人是知道并理解"特约条款"的内容的,应认定保险公司履行了明确说明义务。另外,本案中保险合同的订立过程也具有特殊性,即投保人才是合同的真正承诺人,因此,投保人应对自己的承诺行为负责,按"特约条款"接受赔付。In recent years＇ judicial practice, the cases related to confirming the effectiveness of warranties become more and more. This is an insurance contract dispute aroused by warranties. The policy holder denies the warranties effectiveness for without his signature. But in the author＇ s point of view, the policy holder should maintain that the insurer has taken its obligation for the definite explaination for his awareness of the warranties since he did not sign on the proposal form all along. In addition, the policy holder is authoritative prom- ise of this case for its particular process to make up the insurance contact. Accordingly, the policy holder should answer for his promises to perform the insurance contact.

关 键 词：特约条款 明确说明 合同成立 合同争议 

分 类 号：F84[经济管理—保险]