关于限制医疗选择的保险条款效力探讨  

Exploring the Insurance Clause Effect of Restricting Medical Selection

作　　者：廖显堂[1] 

机构地区：[1]贵阳学院法律系,贵州贵阳550005

出　　处：《贵阳学院学报（社会科学版）》2010年第2期56-60,共5页Journal of Guiyang University:Social Sciences

摘　　要：根据三大寿险公司对重大疾病的保险条款及范围的确定方式,认为其条款限制了被保险人的医疗选择,从法律角度分析了此类条款违反合同目的,侵害了被保险人的身体健康权。同时提出立法建议,并建议保险公司将疾病治疗方法和疾病后果确定的承保范围分开列明。According to the insurance clause and defining way related to serious diseases by three life insurance companies,the present article holds the view that the clause restricts the medical selection of the insured and invades the health right of the insured form the legal perspective.At the same time legal suggestions are put forward and advice is given that insurance should definitely clarify the way of disease treatment and the determination of disease result respectively.

关 键 词：保险条款 医疗选择 身体健康权 

分 类 号：D922.284[政治法律—经济法学] D923.6[政治法律—法学]