保险期间条款的含义及性质——由“不保险的保单”引发的思考  

The Meaning and Nature of “Period of Insurance” Clause

作　　者：霍艳梅[1] 

机构地区：[1]河北工程大学文学院,河北邯郸056038

出　　处：《区域金融研究》2014年第2期31-34,共4页Journal of Regional Financial Research

摘　　要：投保容易理赔难,似乎已成为社会对保险行业的普遍评价。从权威媒体央视《今日说法》的某期节目以"不保险的保单"作为题目便可见一斑。究其原因,保险人及保险代理人在推销保险产品时存在不规范行为自然是主要因素,但是,保险业本身具有特殊的专业性,保险合同与一般合同相比具有突出的特殊性也是不能回避的因素。让社会各界了解和尊重保险合同的特殊性、专业性,对规范和促进保险业的发展有很大的利处。Insurance is easy but claimant is difficult. It seems to become a common assessment of the insurance industry. The authority of the media CCTV ＂Legal Report＂ makes ＂No Insurance Policy＂ as the title of a program.The main factor is that insurers and insurance agents present irregularities when selling insurance products, however, it is can not be avoided that the insurance industry itself has a special professional and insurance contracts also has a prominent characteristic compared with general contract. For the public to understand and respect particular and professional of insurance contracts, we will regulate and promote the development of the insurance industry.

关 键 词：保险合同 保险期间 效力 

分 类 号：F840[经济管理—保险]