保险基础知识

 

学习要点：

  掌握基本的保险知识。

保险基本逻辑：

一、风险原理

（一）风险识别

说说我们生活中的风险：

                                                                                 

                                                                      

  （二）风险分类

1、                                                               

2、                                                               

3、                                                               

4、                                                                

（三）风险特征

1、                                                               

2、                                                               

3、                                                               

4、                                                               

5、                                                               

（三）风险管理

风险管理的定义：                                                    

                                                                     

风险管理的方法：

二、保险演变

（一）保险的产生

现代保险的形成与发展

1、海上保险：现代海上保险发源于意大利

２、火灾保险：巴蓬具有现代保险之父之称

３、人寿保险埃德蒙•哈雷编制的和生命表，奠定了现代人寿保险的数理基础

４、责任保险：始于１９世纪欧美国家，发达于２０世纪７０年代以后，是一尖独成体系的保险业务

５、信用保险：随商业信用风险和道德的发生而发展起来的

（二）保险的功能

1、                                                                

2、                                                               

3、                                                               

三、保险合同

保险合同的定义：                                                   

1、 主体：                                                          

                                                                  

2、 客体：                                                         

                                                                  

3、内容：                                                                

                                                                  

投保人的义务：                                                                  

                                                                  

保险人的义务：                                                                  

                                                                  

4、构成与订立：                                                               

                                                                   

5、保险合同条款的解释

（1）   保险合同条款的解释原则

Ø  文义解释原则

Ø  意图解释原则

Ø  有利于被保险人和受益人的原则

Ø  批注优于正文，后批优于先批的解释原则

Ø  补充解释原则

（2）保险合同条款的解释效力 

a、有权解释（有法律约束力）

立法解释、司法解释、行政解释、仲裁解释

b、无权解释（无法律约束力）

6、主要特征

Ø                                                                  

Ø                                                                  

Ø                                                                  

Ø                                                                  

Ø                                                                 

Ø                                                                 

7、主要分类

Ø                                                                  

Ø                                                                  

Ø                                                                  

 

四、保险基本原则

（一）最大诚信原则

1、                                                               

2、                                                               

3、                                                               

（二）保险利益原则

1、                                                                

2、                                                               

3、                                                               

（三）损失补偿原则

1、                                                                

2、                                                               

3、                                                               

                                                                  

（四）近因原则

1、定义：                                                               

2、认定：                                                          

 

五、财产保险

（一）家庭财产保险

1、家财险的定义：                                                 

2、家财险类型：                                                    

3、可保财产：                                                           

                                                                       

4、不可保财产：                                                          

5、保险责任：                                                      

（二）机动车辆保险

1、定义：                                                         

2、类型：                                                                                                                   

                                                                  

                                                                    

3、 机动车交通事故责任强制保险费率/车船使用税额

4、 机动车交通事故责任强制保险保额：                               

                                                                  

5、商业第三者责任险：                                             

                                                                  

                                                                  

6、机动车辆损失保险：                                             

                                                                   

7、机动车辆商业附加险                                            

                                                                  

                                                                  

8、无赔款优待