Research On Legal Problems Of Accident Insurance Contract

According to the content of insurance subject,in our "Insurance Law" legislation,accident insurance belonging the category of life insurance. In the insurance claims,the insurer in accordance with the amount agreed in the contract,undertake the responsibility of insurance payment,for the insured person or the beneficiaries.Life insurance does not apply the principle of compensation,the theoretical basis can be expressed as: insurable interest of the accident insurance based on the insured person's body, while the value of the personal interests, can not be measured by specific values, so life insurance premiums can only be made prior agreement.In practice, the nature of medical expenses insurance in accident insurance dispute arises, there is a view point out that this is a life insurance, the insurer pay the insurance liability should apply the principle of payment.It was also suggested that specific medical expenses belonging the loss of property, and therefore similar to property insurance, compensatory principle can be applied in accident insurance contract liability of the insurer. Many western countries, according to the different role of insurance is divided into insurance: compensatory insurance, pay insurance and intermediate insurance, accident insurance part of medical insurance included in the concept of the middle range. At present, more and more scholars began to focus on the application of the principle of compensatory life insurance, The author of this article hope through a detailed discussion of accident insurance contracts, analyze accident insurance nature of the contract, the contract for accident insurance compensation of payments problems and to do a comprehensive understanding of the necessary and useful complement to the theoretical system of accident insurance system.