中國國人身險督促操作理事會會關與人身險補充協議糾份的案子密切相關話題的復函

 【發布(bu)信息基層單位】我(wo)國商業保險督促維護委會會

  【發布公(gong)告(gao)文號】

  【上傳(chuan)日期時間】2006-02-21

  【判決書(shu)生效(xiao)時間(jian)】2006-02-21

  【不可(ke)用期限】

  【隸(li)屬(shu)關系行業類型】稅收政策考慮

  【文檔(dang)文件來源地】我們保險費用(yong)監(jian)管菅理專委會會

上海市高端老(lao)百姓(xing)檢查院：

你院(yuan)關于咨詢保(bao)險(xian)合同糾紛案件有關問(wen)題(ti)的函（〔2005〕渝(yu)高法民(min)終字第174號(hao)）收悉(xi)。經研究，現就(jiu)有關問(wen)題(ti)函復如下：

一、更多事先通知公(gong)民義務

按照穩(wen)(wen)定(ding)(ding)法第九七(qi)條歸定(ding)(ding)，買(mai)人壽人身險(xian)費用人簽(qian)署(shu)穩(wen)(wen)定(ding)(ding)合作合同(tong)(tong)時的(de)事先報(bao)(bao)備任(ren)務，應有是(shi)質(zhi)詢報(bao)(bao)備，即(ji)穩(wen)(wen)定(ding)(ding)人以書面的(de)方(fang)式或是(shi)口頭方(fang)式的(de)方(fang)式確(que)立質(zhi)詢，買(mai)人壽人身險(xian)費用人會(hui)有任(ren)務實(shi)現(xian)報(bao)(bao)備。如果你(ni)穩(wen)(wen)定(ding)(ding)人對管于(yu)事宜已在(zai)(zai)風(feng)險(xian)存(cun)在(zai)(zai)情況(kuang)發生質(zhi)詢表上確(que)立，買(mai)人壽人身險(xian)費用人未錄入，應視同(tong)(tong)買(mai)人壽人身險(xian)費用人未實(shi)行(xing)報(bao)(bao)備任(ren)務。

措施(shi)(shi)安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)法(fa)(fa)5、條(tiao)、補(bu)充(chong)(chong)協(xie)議(yi)法(fa)(fa)6十(shi)三條(tiao)明(ming)文(wen)(wen)規定，安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)補(bu)充(chong)(chong)協(xie)議(yi)本人(ren)行(xing)(xing)駛(shi)政治權利、明(ming)確化(hua)盡總(zong)(zong)責需(xu)要(yao)(yao)但要(yao)(yao)遵循誠(cheng)實信用貸款的(de)基本規則(ze)，補(bu)充(chong)(chong)協(xie)議(yi)明(ming)確化(hua)的(de)過(guo)程中需(xu)要(yao)(yao)據(ju)補(bu)充(chong)(chong)協(xie)議(yi)的(de)經(jing)營(ying)性質(zhi)、規則(ze)和交易價格習俗明(ming)確化(hua)通(tong)知(zhi)單范(fan)文(wen)(wen)、幫助(zhu)等(deng)良好(hao)的(de)信用附隨盡總(zong)(zong)責。承(cheng)包(bao)(bao)時，假如承(cheng)包(bao)(bao)人(ren)看出或需(xu)要(yao)(yao)看出某類非常重(zhong)要(yao)(yao)議(yi)題牽涉安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)標底(di)風(feng)險(xian)分析(xi)，影晌(shang)到(dao)安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)人(ren)定是否是承(cheng)包(bao)(bao)或提高了(le)安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)手續(xu)費，所(suo)有(you)安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)人(ren)不(bu)(bu)展開(kai)明(ming)確化(hua)核實，承(cheng)包(bao)(bao)人(ren)應(ying)(ying)用于良好(hao)的(de)信用的(de)基本規則(ze)，也應(ying)(ying)展開(kai)盡可能(neng)這(zhe)說明(ming)并(bing)且(qie)確認；假如承(cheng)包(bao)(bao)人(ren)刻(ke)意不(bu)(bu)明(ming)確化(hua)這(zhe)類良好(hao)的(de)信用盡總(zong)(zong)責，措施(shi)(shi)補(bu)充(chong)(chong)協(xie)議(yi)法(fa)(fa)四是十(shi)三條(tiao)第(di)(di)（二）、（三）款，承(cheng)包(bao)(bao)人(ren)要(yao)(yao)分擔(dan)(dan)締約問題的(de)磨損補(bu)償金(jin)總(zong)(zong)責。不(bu)(bu)僅如此，措施(shi)(shi)安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)法(fa)(fa)第(di)(di)三方十(shi)六條(tiao)，安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)補(bu)充(chong)(chong)協(xie)議(yi)注冊后，安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)標底(di)風(feng)險(xian)能(neng)力增高的(de)，承(cheng)包(bao)(bao)人(ren)以違約職責應(ying)(ying)該承(cheng)擔(dan)(dan)職責通(tong)知(zhi)單范(fan)文(wen)(wen)盡總(zong)(zong)責；這(zhe)樣(yang)，對因安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)標底(di)風(feng)險(xian)能(neng)力增高而情況(kuang)的(de)安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)交通(tong)事故，安(an)(an)全(quan)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)行(xing)(xing)業(ye)(ye)(ye)(ye)大(da)(da)(da)(da)公(gong)(gong)(gong)(gong)司(si)不(bu)(bu)分擔(dan)(dan)補(bu)償金(jin)總(zong)(zong)責。

二、對(dui)于安全合同條(tiao)款(kuan)釋(shi)義

你院來函未附本(ben)案(an)涉及的(de)(de)(de)(de)具體保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)文本(ben)，因此我們(men)難(nan)以(yi)確定(ding)該條(tiao)(tiao)(tiao)款(kuan)實際版本(ben)。根(gen)據承保(bao)(bao)(bao)(bao)時(shi)間推(tui)斷(duan)，該《財(cai)(cai)產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)綜合(he)(he)險(xian)(xian)(xian)(xian)(xian)》條(tiao)(tiao)(tiao)款(kuan)應是由中(zhong)(zhong)國(guo)人(ren)民銀行(xing)(xing)(xing)于(yu)1996年(nian)制定(ding)并頒(ban)發實施的(de)(de)(de)(de)。根(gen)據我會(hui)(hui)《關(guan)于(yu)財(cai)(cai)產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)費(fei)率備(bei)案(an)管理的(de)(de)(de)(de)通(tong)知(zhi)》（保(bao)(bao)(bao)(bao)監發〔2001〕120號(hao)）的(de)(de)(de)(de)有關(guan)規(gui)定(ding)，該險(xian)(xian)(xian)(xian)(xian)種的(de)(de)(de)(de)條(tiao)(tiao)(tiao)款(kuan)在(zai)中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)監會(hui)(hui)未修訂前，仍按中(zhong)(zhong)國(guo)人(ren)民銀行(xing)(xing)(xing)的(de)(de)(de)(de)原規(gui)定(ding)執(zhi)行(xing)(xing)(xing)。保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公司繼續使用該條(tiao)(tiao)(tiao)款(kuan)，不(bu)需(xu)履行(xing)(xing)(xing)有關(guan)報備(bei)手(shou)續。而非(fei)由中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)監會(hui)(hui)制定(ding)或(huo)修訂的(de)(de)(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)，中(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)監會(hui)(hui)不(bu)負責解釋(shi)。該條(tiao)(tiao)(tiao)款(kuan)有關(guan)術語的(de)(de)(de)(de)解釋(shi)，請(qing)參考中(zhong)(zhong)國(guo)人(ren)民銀行(xing)(xing)(xing)在(zai)《關(guan)于(yu)印發<財(cai)(cai)產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)基本(ben)險(xian)(xian)(xian)(xian)(xian)>和<財(cai)(cai)產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)綜合(he)(he)險(xian)(xian)(xian)(xian)(xian)>條(tiao)(tiao)(tiao)款(kuan)、費(fei)率及條(tiao)(tiao)(tiao)款(kuan)解釋(shi)的(de)(de)(de)(de)通(tong)知(zhi)》（銀發〔1996〕187號(hao)）。該通(tong)知(zhi)所附的(de)(de)(de)(de)《財(cai)(cai)產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)綜合(he)(he)險(xian)(xian)(xian)(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)解釋(shi)》中(zhong)(zhong)對“危險(xian)(xian)(xian)(xian)(xian)建(jian)(jian)筑”未作出明確定(ding)義，但其(qi)第三條(tiao)(tiao)(tiao)關(guan)于(yu)“所列明的(de)(de)(de)(de)財(cai)(cai)產(chan)不(bu)屬(shu)于(yu)本(ben)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)承保(bao)(bao)(bao)(bao)范(fan)圍”主要原因說明的(de)(de)(de)(de)第三項“不(bu)利(li)于(yu)貫(guan)徹執(zhi)行(xing)(xing)(xing)政府(fu)有關(guan)命(ming)令(ling)或(huo)規(gui)定(ding)，如違(wei)章建(jian)(jian)筑及其(qi)他政府(fu)命(ming)令(ling)限期拆(chai)除、改建(jian)(jian)的(de)(de)(de)(de)房屋、建(jian)(jian)筑物(wu)”，可以(yi)作為一個參考標準；第四條(tiao)(tiao)(tiao)中(zhong)(zhong)對“突發性滑(hua)坡”的(de)(de)(de)(de)定(ding)義為“斜坡上(shang)不(bu)穩的(de)(de)(de)(de)巖體、土體或(huo)人(ren)為堆(dui)積(ji)物(wu)在(zai)重力作用下突然整(zheng)體向下滑(hua)動”。

三(san)、關于幼兒園穩定公(gong)估認定

通過(guo)我能公布的(de)(de)《穩妥(tuo)公估(gu)(gu)醫(yi)院工(gong)作法(fa)規(gui)》，穩妥(tuo)公估(gu)(gu)工(gong)廠是(shi)(shi)依(yi)規(gui)由(you)(you)國內(nei) 保監會審批開設的(de)(de)，使(shi)用穩妥(tuo)當時人(ren)信賴，也可以任職(zhi)穩妥(tuo)標志的(de)(de)評(ping)定、勘驗、檢驗、估(gu)(gu)損、理算等服務的(de)(de)企業。穩妥(tuo)公估(gu)(gu)工(gong)廠使(shi)用當時人(ren)另一方信賴進行(xing)的(de)(de)相關檢驗目(mu)的(de)(de)，當時人(ren)如果爭(zheng)議，都(dou)是(shi)(shi)事情認準核心內(nei)容，應(ying)由(you)(you)法(fa)官進行(xing)觀察(cha)認準。

二○○二年二月(yue)20一日(ri)游