Insurance Contracts And Moral Danger Of Death

The insurance system effciently scatters risk and loss,but it brings about negative effects in the same time.Because insurer's duty on economic assure is regulated clearly in insurance contract.the applicant may neglect insured object for insurance compensation.even balefully make accident.This case belongs to moral hazard,which is more clear in death insurance contract.The author throughly and systemly explore the intension and extension of moral hazard in death insurance contract as more as possiblly.And the author analyzes the reasons in legal and other angles.In the end,the author suggest and design precaution system to moral hazard in death insurance contract about our country.This thesis contains preface and four parts of text.Preface: The author mainly explains the origin of moral hazard as well as the value and status study on this question.which fixes the direction for terxt.Chapter one: Firstly.the author analyzes three theories about moral hazard,and define the moral hazard by comparing with deceit in insurance as well as other concepts.Then,expound moral hazard clearly by consulting with risk,and ananlyzes the differences about moral hazard by comparing death insurance contract with other insurance contracts.Chapter two: The author mainly introduces the forms of moral hazard and the damages from moral hazard in death insurance contract.Moral hazard mainly comprises insurant's suicide and beneficiary's murderring to insurant for insurance compensation,etc.lt also discusses new questions like insurant's death because of offenses.Moral hazard not only directly endangers insurant's life,but also indirectly endanger other person life and property in public,seriously disturb the normal function of insurance.Chapter three: The author respectivly analyzes the reasons of moral hazard in death insurance contract from Sociology , Economics and Law.According to...