浅论保险合同法律风险的防范

摘要随着我国经济的规模化发展，保险作为风险规避以及财富管理的重要手段，也在稳步地发展，并浸入了社会生活中的方方面面。越来越多的法律主体参与到保险合同法律关系中，也越来越多的保险法律问题不断在涌现。我国有关保险合同的法律法规也随之不断地在完善。然而，随着互联网的不断发展壮大，传统的保险法律行为越来越多地活跃于网络空间，互联网保险合同也在保险行为中占据了重要的领地，随之而产生的保险行为规范问题也在挑战和冲击传统的保险合同法律法规。例如，互联网保险合同中的投保人员面临着个人信息泄露、受保险方欺诈等，又比如保险合同中的权利义务无法详尽明确，发生法律纠纷无法确定保险合同基本信息，还比如互联网保险合同不符合保险合同强制法律规定等等。如此种种，尽待解决。本文将从保险合同的订立、生效、执行等方面着手解析保险合同的特征，再针对保险合同中的法律风险进行粗略的清点，再对发展态势迅猛的互联网保险合同的特征及法律风险进行解析，最终尝试提供规避和防范保险合同中的法律风险的措施及建议。关键词：保险合同互联网保险合同风险防范ABSTRACTWith the development of China's economy,insurance,as an important means of riskaversion and wealth management,is also developing steadily and has been immersed in allaspects of social life.More and more legal subjects participate in the legal relationship ofinsurance contract,and more and more insurance legal problems are emerging.China's insurancecontract related laws and regulations are constantly improving.However,with the continuousdevelopment of the Internet,the traditional insurance legal acts are more and more active incyberspace,and Internet insurance contracts also occupy an important territory in insurance acts.The ensuing problems of insurance behavior norms are also challenging and impacting thetraditional insurance contract laws and regulations.For example,the insured in the Internetinsurance contract is faced with personal information disclosure,fraud of the insured party,andso on.For example,the rights and obligations in the insurance contract cannot be specified indetail,and the basic information of the insurance contract cannot be determined in the event oflegal disputes.For example,the Internet insurance contract does not conform to the compulsorylegal provisions of the insurance contract,and so on.All these problems need to be solved.Thispaper will analyze the characteristics of insurance contracts from the aspects of the conclusion,effectiveness and implementation of insurance contracts,and then make a rough inventory of thelegal risks in insurance contracts,and then make a analysis of the risks of Internet insurancecontracts,and finally try to provide measures and suggestions to avoid and prevent the legal risksin insurance contracts.Key words:Insurance contract;Internet insurance contract;risk prevention.0目录第1章绪论.11.1研究背景….11.2研究意义1.3文献综述.2第2章保险合同的法律分析…32.1保险合同的基本概念.32.1.1保险合同的特征.32.1.2保险合同的法律性质..4第3章财产保险合同法律风险…431保险事故发生在投保人缴费前时的保险法律问题..53.2投保人交费晚于保险合同约定的起始日后的….5第4章人身保险合同法律风险，.64.1人身保险合同概述.64.1.1被保险人被代表签署保险合同的情形..64.1.2提示与明确说明义务的标准中存在的法律风险….74.1.3免除保险人责任条款的认定中存在的法律风险….74.1.4意外保险中意外与疾病的认定中存在的法律风险..7第5章互联网保险合同….85.1互联网保险合同概述…85.1.1互联网保险合同当事人的身份…。85.1.2互联网保险合同的内容。.85.1.3互联网保险合同标的.5.2互联网保险合同的成立与生效.95.2.1互联网保险合同的权利义务.5.3互联网保险合同中法律责任界定.……10第6章防范与管控保险合同法律风险10结语12参考文献….13河北金融学院