| Nowadays, the dispute of insurance standard terms between insurance consumers and insurance companies has been increased seriously. The using of insurance standard terms has met the need of the rapid development of insurance industry, which reduced the cost of insurance contracting greatly and improved the efficiency. However, as the standard terms were widely used, the problems of damaging consumers’ rights and interests has been brought out. To deal with the violation,including rule out insurance consumers’ main rights, add insurance consumers’ Liabilities, from the insurer’s responsibilities, the essay tries to analysis the cause of infringement from two aspects, subjective and objective.Subjectively, the need of Insurance company’s interests and the Insurance consumers’ lack of the responsibility consciousness caused the happening of the infringement. Objectively, the natural disadvantages of format terms and omission of legal systems has made the natural holes of the protection of the rights and interests of Insurance consumers. So, the essay puts forward three aspects of countermeasures, including improve the system of insurance company’s internal management, improve the oversight system for insurance, consummate the system of insurance consumers.There are five parts in the dissertation: it begins with the introduction of the research background, meaning and literature review. Then clarified the concepts of insurance contract format terms and Insurance consumers’ rights and interests, carried on the thorough discussion on the relationship between the two aspects. Thirdly, based on a large of facts, made detailed analysis of the insurance contract format terms’ present situation, find out the specific problems of violating the insurance consumers’ rights and interests. Then starting from the problems, comprehensive analysis the reasons from two aspects. Lastly, put forward the corresponding countermeasure of normative insurance contract format terms. |
PDF Full Text Request