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所在平台: Udemy |
课程主页: https://www.udemy.com/course/insurance-principles-and-types-business-services-class-xi/
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课程名称：保险原理：保障的基石 课程概述： 本课程深入探讨保险的核心概念和运作原理，旨在揭示保险作为社会经济“保障的基石”的关键作用。课程将从基础问题入手，解答“什么是保险？”、“保险提供何种补偿？”以及“保险的重要性体现在哪里？”。 课程内容涵盖： * **保险合同的本质：** 详细阐述保险合同的独特性，包括其作为“最大诚信合同”（uberrimae fidei）的含义，以及与普通商业合同在根本上的差异。重点解析“最大诚信原则”的适用范围，并深入探讨“重要事实”（material fact）的概念及其举例，以及违背该原则可能导致的后果，包括投保人对保险人违背最大诚信原则的潜在后果。 * **核心保险原则：** 详细解读保险合同的七大核心原则，包括： * **可保利益原则（Principle of Insurable Interest）：** 解释为何需要可保利益，以及在何种情况下个人被认为对某事物具有可保利益。特别讨论了债权人对债务人生命是否具有可保利益，以及在保险合同中应何时确立可保利益（合同开始时、索赔时，还是两者皆有）。 * **损失补偿原则（Principle of Indemnity）：** 明确损失补偿的含义，并探讨其是否适用于人寿保险。分析影响损失补偿的各种因素。 * **近因原则（Principle of Proximate Cause）：** 解释近因的意义，以及保险公司在损失由多种原因造成时需承担的责任。探讨近因认定的复杂性，以及在确定近因时可能面临的挑战，包括“并发原因”（concurrent causes）和“介入原因”（intervening cause）。讨论索赔金额的大小是否会增加保险公司推诿责任的可能性，以及当保险公司与被保险人就损失的近因发生争议时如何处理。 * **代位求偿原则（Principle of Subrogation）：** 阐述代位求偿的含义及目的。 * **摊付原则（Principle of Contribution）：** 解释摊付原则，以及在同一损失由多家保险公司承保时，责任如何进行分摊，以及该原则如何防止被保险人从损失中获利。探讨摊付原则是否适用于所有类型的保险。 * **损失最小化原则（Principle of Loss Minimization）：** 论述损失最小化的概念及其带来的益处。 * **保险的功能与作用：** 探讨保险在组织效率提升、资本形成等方面的重要作用。 * **保险的类型：** 广泛介绍各种类型的保险，并对人寿保险进行深入分析，包括： * **人寿保险的定义：** 讨论其是否需要一次性缴纳保费，以及其各项主要利益。 * **可保利益与人寿保险：** 探究如果人寿保险不适用可保利益原则将产生何种影响，以及在被保险人自杀身亡时索赔是否可支付。 * **人寿保险合同的有效要素：** 明确人寿保险合同需具备的合同有效要件。 * **人寿保险合同的独特性：** 识别人寿保险合同的独特要素，并再次强调“重要事实”的概念。 * **人寿保险非损失补偿合同的讨论：** 论证为何人寿保险不属于损失补偿合同。 * **选择人寿保险的考量因素：** 指导学员选择人寿保险时应考虑的关键因素，以及影响人寿保险保费的各种因素。 * **人寿保险的种类：** 详细介绍各类人寿保险产品，如终身寿险、联名寿险、年金保险、儿童教育金保险（重点区分被保险人）、返还型保险、团体保险和定期寿险。 本课程将帮助学员全面理解保险的运作机制，掌握保险的核心原则，并为选择合适的人寿保险产品提供清晰的指导。
What is meant by insurance?What type of compensation insurance provides?What is the importance of insurance?What will happen if any risk happens?Between whom does insurance contract take place?What are the seven principles of insurance?Insurance contract is a contract of uberrimae fidei. What does it mean?What is fundamental difference between insurance contract and most other commercial contracts?Whether principle of utmost good faith is applicable to all types of insurance?What is meant by material fact? Give example.What are the consequences if insured breaches utmost good faith?If the insurer fails to uphold the principle of utmost good faith, what are the potential repercussions?When a person is said to have an ‘insurable interest' in something?Whether a creditor has an insurable interest in the life of a debtor?When should insurable interest be established in an insurance contract: at the inception of the policy, at the time of a claim, or both?What is meant by principle of indemnity?Whether principle of indemnity is applicable to life insurance?What are the various factors which affect indemnity in insurance?What is meant by principle of proximate cause?What is the meaning of proximate cause?When is an insurance company liable for a loss that is the result of multiple causes?Determination of proximate cause is often a complex legal question. Discuss.What are the various challenges in determining Proximate Cause?What is meant by concurrent causes?What is meant by intervening cause?Do large claims increase the likelihood of insurers denying liability for claim?What happens if there is a dispute between insurer and insured with regard to proximate cause of loss?What is meant by the principle of subrogation?What is the purpose of subrogation?What is meant by principle of contribution?How is liability apportioned among multiple insurers covering the same loss?How the principle of contribution prevents the insured from profiting from the loss?Whether the principle of contribution is applicable to all types of insurances?What is meant by principle of loss minimization?What are the various benefits of loss minimization?What are the various functions of insurance?How the insurance improves the efficiency of the organization?Insurance helps in capital formation. Discuss.What are the various types of insurance? Discuss.What is meant by life insurance?Whether the policy holder pays the life insurance premium in lumpsum?What are the various benefits of life insurance?What if the principle of insurable interest were not applied to life insurance?Whether the claim is payable if the insured dies by suicide?The life insurance contract must have all the essentials of a valid contract. What are those essentials?What are the unique elements of a life insurance contract?What is meant by material facts?Life insurance is not a contract of indemnity. Discuss.What key factors should be considered when choosing a life insurance policy?What are the various factors which affect life insurance premium?What are the various types of life insurance policies?Write a few lines on whole life policy?What do you know about joint life policy?For whom are annuity policies a suitable financial investment?In children's endowment policies, is the life insurance coverage primarily for the child or the parent?What are the primary benefits and features offered by money-back insurance plans?Who typically purchases group insurance plans?What is meant by term insurance?
