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诚实信用原则 | The principle of good faith |
保险合同法 | insurance contract law |
《民法典》第242条 | Section 242 Civil Code |
一般商事交易 | general business transactions |
持续性义务 | continuing obligation |
保险人 | Insurer |
被保险人 | Insured person |
核保经验 | underwriting experience |
生存危机 | existencial consequences |
保险法革新 | the Insurance Act reform |
相关判例法 | relevance case law |
不要求因果关系 | lack of causality |
全有全无原则 | all-or-nothing principle |
比例原则 | quota principle |
明确保护条款 | the explicit protection provisions |
案例的适用 | the cases of application |
风险负担共同体 | Risk-bearing community |
一般同质化风险 | typically homogenous risks |
大数法 | the law of large numbers |
去差异化的风险 | equalisation of risks |
精算事实 | actuarial facts |
信义义务 | fiduciary duties |
互负对价的义务 | mutual duties of consideration |
义务相对性原则 | the principle of the relativity of the obligation |
带有利润分配的资本形成型人寿保险合同 | capital-forming life insurance contracts with profit participation |
成文法上的价值 | the statutory values |
诚实信用与平等原则 | Good faith and the principle of equality |
一般平等待遇原则 | the general principle of equal treatment |
整体原则和精算实践 | the mass principle and the actuarial practice |
对价 | considerations |
宪法上的一般平等原则 | the general constitutional principle of equality |
社会伦理基础 | socio-ethical foundations |
个案 | individual cases |
具有优先地位的法律价值 | overriding legal values |
体系化 | systematisation |
功能循环理论 | the functional circuit doctrine |
具体化与补充 | Concretisation and supplementation function |
限制功能 | Limitation function |
控制与纠正功能 | Control and correction function |
具体化 | concretisation |
说明、提示和告知义务 | duties of clarification, notification and information |
先合同义务 | pre-contractual dut |
自行告知和披露的义务 | a spontaneous duty of information and disclosure |
注意义务 | duties of consideration |
权利不当行使 | inadmissible exercise of rights |
权利丧失的抗辩 | the objection of forfeiture of rights |
权利滥用 | abuse of right |
矛盾行为 | contradictory behaviour |
对免责条款的援引 | the assertion of exclusions |
主张被保险人违反该义务 | invoking the breach |
书面形式 | in text form |
存在欺诈行为 | acted fraudulently |
以保险人未告知进行抗辩 | invoking the lack of information |
比例原则 | the principle of proportionality |
撤回权或抗辩 | the right of cancellation or objection |
合同受阻 | a frustration of contract |
保险科技 | Insurance Technology |
保险最大诚信原则 | the Principle of Utmost Good Faith in Insurance |
保险交易射倖性负面效应 | the Negative Effects of Speculation in Insurance Transactions |
信息分布失衡 | Information Asymmetry |
交易射倖性 | randomness in Transactions |
普通法合同理论 | Common Law Contract Theory |
逆向选择风险 | Adverse Selection Risk |
道德风险 | Moral Hazard |
保险人中心 | Insurer-Centric |
投保人中心 | Insured-Centric |
保险市场风险控制 | Risk Control in the Insurance Market |
技术替代 | Technical Alternatives |
不当利用射倖机制 | misusing aleatory mechanisms |
普惠保险 | Inclusive Insurance |
金融消费者保护 | Financial Consumer Protection |
投保人 | Policyholders |
交易技术逻辑 | Transactional Technology Logic |
保险人 | Insurers |
以小博大 | High Stakes with Low Investment |
双向、二维 | Bidirectional, Two-Dimensional |
事前信息不对称 | Pre-Transaction Information Asymmetry |
保险标的 | the insured subject |
危害保险团体性 | jeopardizing the collective integrity of the insurance pool |
保险责任排除信息 | exclusions of insurance liability |
事后信息不对称 | Post-Transaction Information Asymmetry |
骗保 | commit fraud |
迟延理赔 | delaying claims |
解释甚至曲解条款而拒赔 | misinterpreting or distorting terms to deny claims |
成文化与义务 | Obligations and Codification |
体系化 | Systematization |
海上保险法 | Marine Insurance Act |
消费保险 | Consumer Insurance |
商业保险 | Commercial Insurance |
制度虚化 | Institutional Erosion |
一般诚信 | general good faith |
成文化表达 | Codified Expression |
对价平衡 | a Balance of Consideration |
危险共同内的整体平衡 | Overall Balance Within Shared Risks |
弱者保护 | Weakness Protection |
行为机理 | Behavioral Mechanism |
信息经济学范式 | Economics Paradigm |
合同正义 | Contract Justice |
市场竞争手段 | Market Competitive Means |
生产性信息 | Productive Information |
射倖风险 | randomness risks |
再分配性信息 | Redistributive Information |
科技暗线 | Technological Underpinnings |
危害性信息 | Harmful Information |
行为暗箱 | Behavioral Black Box |
信息路径 | information pathways |
保险人中心主义 | insurer-centric |
投保人中心主义 | policyholder-centric |
金融科技 | Fintech |
物联网 | the Internet of Things |
小额化 | micro-insurance |
短期化 | short-term insurance products |
定制化 | customization |
智能劝诱 | intelligent nudging |
智能核保 | smart underwriting |
实时安全监控 | real-time safety monitoring, |
自动续保与持续性保险 | automatic renewals, and continuous insurance |
智能理赔 | Smart claims processing |
自动甄别保险欺诈 | automatic identification of insurance fraud |
风险检测技术 | Risk detection technologies |
信息市场传导技术 | Information market transmission technologies |
降本优势 | Cost Reduction Advantages |
普惠保险政策 | inclusive Insurance Policies |
保险消费者保护政策 | insurance Consumer Protection Policies |
准公共性 | The quasi-public nature |
合理期待原则 | the principle of reasonable expectations |
侵权责任 | tort liability |
随车型驾乘意外险 | Accident Insurance Based on Vehicle Models |
