| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 95 === Under the custom of the utilitarianism of present the premium has already become to deceive the biggest purpose now .The topic of this thesis study is after a contract to establishes to guarantee, and an insurance policy takes effect at that time, policyholder and assured both for insure of purpose whether will involve the condition of morals risk or not.
Research it to discussing and taking the insurance contractual reviewing as object adopt a method of substantial evidence analysis to protect procedure by pit in examination 、 limitation .The reason compensates procedure in nonpayment、rescission .it should be to understand the contract is have relativity when it’s investigating. This research was divided into two parts to carry on.First of all, physical examination、limitation nonpayment、rescission with its influence examine ,those are the basic data variable with the premium pay amount of money. And then to analyze by a factor variable comparison difference examines and the variation count analysis.
This research is have some suggestion aside from in addition to implement the medical physical examination that the pit protects more and strictly, also have to carry out claim censorship and is not become a benefit indemnity, on the side should be to build up a crime prevention notifies Of same trade and check adjusts unit. The contribution of this research mainly lies in establish the process of the insurance contractual reviewing more, make to have intention to concept of working on the insurance contract reviewing to have understanding on the other hand, can have to examine by oneself the insurance executive on the other hand and more whether involve morals risk have already done good opinion to estimate a prevention.
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