论文部分内容阅读
1993年,中国人民保险公司就人身意外伤害保险的有关问题组织了课题组。经过一年多的研究和探讨,于1994年完成了《人身意外伤害给付理论初探》课题报告。该报告结合国内外的保险理论和实际,就意外伤害的定义和判定,意外伤害保险的责任范围、给付方式、给付原则、给付金额的确定、受益人、高保额等问题进行了论述,对我国人身意外伤害保险的理论和实践提出了许多建设性意见。鉴于原报告篇幅较长,我们只能摘录其中的几个部分加以整理,以此文发表。
In 1993, PICC organized a research group on issues relating to personal accidental injury insurance. After more than a year of research and discussion, in 1994 completed the “Personal accidental injury theory of payment” report. Based on the theory and practice of insurance at home and abroad, this report discusses the definition and judgment of accidental injury, the scope of liability, the payment method, the principle of payment, the determination of the amount paid, the beneficiaries and the amount of premiums for accident insurance. Personal accident insurance theory and practice of a lot of constructive suggestions. In view of the long length of the original report, we can only excerpt some of the parts to be collated in order to publish it.