The Problems of Double Insurance in the Field of Personal Insurance

• Main Authors: Chin-Chih, Yeh, 葉勁之
• Other Authors: 黃正宗
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/60001750969040823737

碩士 === 國立政治大學 === 風險管理與保險學系 === 90 === Abstract This paper explores the disputes of double insurance effective to personal insurance. The process, at first, is to clarify the purpose and functions of double insurance and, then, to introduce the viewpoints and stances of scholars as well as the judicial cases. In all, there are four points. Firstly, is double insurance, stipulated in the general provisions, effective to the personal insurance? Secondly, in comparison with the categorization of indemnity insurance and contingency insurance in many other countries, is the categorization of property insurance and personal insurance in our insurance law appropriate? Thirdly, how we verify four main personal insurance products in terms of the three factors of indemnity insurance? Finally, what is the reasonable face amount of a personal insurance contract? The approaches of this paper are exploring the history of insurance laws in the different countries and discriminating the differences of indemnity insurance and contingency insurance. Finally, for the purpose of dedicating to the improvement of integrated financial services business in Taiwan, this paper not only makes suggestions with respect to legal amendments in Insurance Law, but also proposes five administrative means to support insurers business development in a constructive environment.