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1、 The change of insurance contract The change of insurance contract refers to the behavior that both parties modify or supplement some terms of the original insurance contract according to the legal or contractual procedures due to the changes in the subjective and objective conditions on which the insurance contract is based during the validity period of the insurance contract. According to the content of the insurance contract, this change can be divided into three types: subject change, object change, and clause change. Generally speaking, the change of an insurance contract is a civil act of both parties. The conditions for its effectiveness are: the applicant or the insured submits a written application for the change, and the insurer agrees to issue an endorsement or comment. For a few unilateral civil acts, if the insured changes the beneficiary, it is only necessary to notify the insurer in writing, without the consent of the insurer.
2、 The termination of an insurance contract The termination of an insurance contract refers to the behavior of both parties to terminate the insurance contract in advance according to law or as agreed in the contract. The cancellation of an insurance contract can be divided into two categories: the cancellation of the applicant and the cancellation of the insurer. Article 15 of the Insurance Law stipulates that the insurer shall not terminate the insurance contract after its establishment, unless otherwise stipulated in this Law or in the insurance contract. From the perspective of legal provisions, the premise for the insurer to terminate the contract is that the applicant, the insured or the beneficiary has breached or violated the law. The Insurance Law stipulates in Articles 16, 27, 35, 36, 53 and 58 that the insurer can terminate the contract in the following circumstances:
(1) The applicant fails to perform the obligation of truthful disclosure;
(2) The insured or the beneficiary falsely claims that an insurance accident has occurred to defraud insurance;
(3) The Insured intentionally creates an insured accident;
(4) The applicant fails to fulfill its safety responsibility for the subject matter insured;
(5) The risk of the subject matter insured increases;
(6) The age of the insured is untrue and exceeds the age limit;
(7) The life insurance contract fails to be reinstated after termination. In addition to legal provisions, if both parties agree to terminate the contract when concluding the insurance contract, the insurer can also terminate the contract accordingly. Once the insurance contract is rescinded, the validity of the contract disappears, and the rights and obligations agreed by both parties no longer exist. However, the termination of the contract does not affect the validity of the dispute settlement clause in the original contract, nor does it affect the right of the parties to claim compensation.
3、 Termination of an insurance contract The termination of an insurance contract means that both parties to the insurance contract have extinguished their rights and obligations as defined in the contract. Once the insurance contract is terminated, it will lose its legal effect, but the validity of the dispute settlement clause in the original contract and the right of the parties to claim compensation will not be affected. The termination of an insurance contract can be divided into two situations:
(1) Natural termination. That is, the insurance contract is terminated due to the expiration of the contract period.
(2) Termination due to performance of obligations. After the occurrence of the insured accident, the contract is terminated because the insurer has fulfilled all the responsibilities for paying the insurance benefits. The full liability here refers to the occurrence of an insured accident that the insurer should fully compensate or pay according to the agreed insurance amount ttttt
1、 The change of insurance contract The change of insurance contract refers to the behavior that both parties modify or supplement some terms of the original insurance contract according to the legal or contractual procedures due to the changes in the subjective and objective conditions on which the insurance contract is based during the validity period of the insurance contract. According to the content of the insurance contract, this change can be divided into three types: subject change, object change, and clause change. Generally speaking, the change of an insurance contract is a civil act of both parties. The conditions for its effectiveness are: the applicant or the insured submits a written application for the change, and the insurer agrees to issue an endorsement or comment. For a few unilateral civil acts, if the insured changes the beneficiary, it is only necessary to notify the insurer in writing, without the consent of the insurer.
2、 The termination of an insurance contract The termination of an insurance contract refers to the behavior of both parties to terminate the insurance contract in advance according to law or as agreed in the contract. The cancellation of an insurance contract can be divided into two categories: the cancellation of the applicant and the cancellation of the insurer. Article 15 of the Insurance Law stipulates that the insurer shall not terminate the insurance contract after its establishment, unless otherwise stipulated in this Law or in the insurance contract. From the perspective of legal provisions, the premise for the insurer to terminate the contract is that the applicant, the insured or the beneficiary has breached or violated the law. The Insurance Law stipulates in Articles 16, 27, 35, 36, 53 and 58 that the insurer can terminate the contract in the following circumstances:
(1) The applicant fails to perform the obligation of truthful disclosure;
(2) The insured or the beneficiary falsely claims that an insurance accident has occurred to defraud insurance;
(3) The Insured intentionally creates an insured accident;
(4) The applicant fails to fulfill its safety responsibility for the subject matter insured;
(5) The risk of the subject matter insured increases;
(6) The age of the insured is untrue and exceeds the age limit;
(7) The life insurance contract fails to be reinstated after termination. In addition to legal provisions, if both parties agree to terminate the contract when concluding the insurance contract, the insurer can also terminate the contract accordingly. Once the insurance contract is rescinded, the validity of the contract disappears, and the rights and obligations agreed by both parties no longer exist. However, the termination of the contract does not affect the validity of the dispute settlement clause in the original contract, nor does it affect the right of the parties to claim compensation.
3、 Termination of an insurance contract The termination of an insurance contract means that both parties to the insurance contract have extinguished their rights and obligations as defined in the contract. Once the insurance contract is terminated, it will lose its legal effect, but the validity of the dispute settlement clause in the original contract and the right of the parties to claim compensation will not be affected. The termination of an insurance contract can be divided into two situations: (1) natural termination. That is, the insurance contract is terminated due to the expiration of the contract period. (2) Termination due to performance of obligations. After the occurrence of the insured accident, the contract is terminated because the insurer has fulfilled all the responsibilities for paying the insurance benefits. The full liability here refers to the occurrence of an insurance accident for which the insurer should make full compensation or payment according to the agreed insurance amount