Voidance of a Life Insurance Contract Due to Concealment
| Autor: | Mei-Hua Chang, 張美花 |
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| Rok vydání: | 2008 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 96 Prevention is better than cure, whether “to audit the insurance leniently and compensate it strictly” or “to audit the insurance strictly and compensate it leniently”, both are too much as bad as not enough. One should hold the principle that “to audit the insurance truly and compensate it honestly”, this not only make the people in this society identify with the insurance company but avoid controversy and falsity. Therefore, the insurance company can maintain its social image; establish a long-term, stable foundation of administration, elevate its reputation and then expand the scale. This article’s research is mainly to study those ob-choices that are caused by information dissymmety. Under the duty of policyholder’s violates, when the contract is canceled by the insurance company, according to the insurance law, term 25, “Insurance contract canceled by the matter of term 64, second, the policyholder needs not return the premium which has already received.” Except from canceling the contract, the insurance company still has the actual acts to refund the premium or compensate part of the premium and then cancel the contract. In order to discuss the real factor, this research, according to one domestic insurance company, from January 1st, 2006 to December 31st, 2007, due to the reason of the policyholder violated under telling the duty, the total number ---1503 events that the contracts were annulled by the insurance company by refunding the premium or directly annulled the contracts without refunding the premium. We chose 15 variables from these events, and each variable, to its explanation ability of canceling the contract with refundment or not, were analyzed by several of compile statistics which were cross-analysis, multiple collinear diagnose, extreme value model, adaptability certification, etc. With the actual proof, to cancel the contract with refundment or not is obviously related to the age and sex of the policyholder, and what kind of insurance that the policyholder insured, and so on. We hope to build up the information of compensation through this research and provide insurance company with the knowledge of canceling the contract when violating the duty of telling, not only can eliminate unreasonable factors but also choose systematic references. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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