保險公司未經過同意取消自動墊繳 - 保險
By Suhail Hany
at 2023-03-28T23:53
at 2023-03-28T23:53
Table of Contents
看你一直跳針實在有點受不了,其實Z大已經寫了很多法律概念在裡面,只是你一直聽不
懂,只堅持你認為的
第一,主約跟附約本質上是兩種契約
第二,既然是兩種契約,你主契約約定墊繳是要主契約尚未到期且有累積保價金,當未繳
保費時,才會生效開始墊繳程序,但主期約已經繳費期滿,主契約就不會有墊繳的情況發
生,何來墊繳程序?
第三,因為主契約不會有墊繳情況發生,當然不會進入墊繳程序,所以關於附約的契約效
力要回歸附約規定,這種狀況下要去看條款怎麼寫
條款上有幾種可能會寫,
1.主契約與附約的保價金在期滿後都可以墊繳附約
https://i.imgur.com/dypzR2g.jpg
2.主契約墊繳僅在主契約範圍
3.附約有保價金由附約墊繳
4.什麼都沒寫
第四種什麼都沒寫,表示期滿之後雙方並未約定期滿後可以用主契約保價金墊繳附約,因
為要保人並未約定授權已經期滿的契約可以墊繳,保險人當然不能逕行墊繳。
結果你一直跳針之前可以墊繳,後面保險公司片面取消,但實際狀況是主契約尚未到期而
墊繳程序有發生,但期滿後主契約沒有墊繳可能,所以無法進入墊繳程序,但雙方又未針
對期滿後可以墊繳附約有明定,當然不會墊繳附約。隨後保險公司依照附約條款催告你們
又不繳保費,當然會進入停效階段。
但條款訂定內容不同之處會影響實際墊繳的發生,你又不拿出主約跟附約的全部條款給大
家看,只是一直跳針,你可以去評議中心或法院看看案例見解就知道邏輯了啦。
--
懂,只堅持你認為的
第一,主約跟附約本質上是兩種契約
第二,既然是兩種契約,你主契約約定墊繳是要主契約尚未到期且有累積保價金,當未繳
保費時,才會生效開始墊繳程序,但主期約已經繳費期滿,主契約就不會有墊繳的情況發
生,何來墊繳程序?
第三,因為主契約不會有墊繳情況發生,當然不會進入墊繳程序,所以關於附約的契約效
力要回歸附約規定,這種狀況下要去看條款怎麼寫
條款上有幾種可能會寫,
1.主契約與附約的保價金在期滿後都可以墊繳附約
https://i.imgur.com/dypzR2g.jpg
2.主契約墊繳僅在主契約範圍
3.附約有保價金由附約墊繳
4.什麼都沒寫
第四種什麼都沒寫,表示期滿之後雙方並未約定期滿後可以用主契約保價金墊繳附約,因
為要保人並未約定授權已經期滿的契約可以墊繳,保險人當然不能逕行墊繳。
結果你一直跳針之前可以墊繳,後面保險公司片面取消,但實際狀況是主契約尚未到期而
墊繳程序有發生,但期滿後主契約沒有墊繳可能,所以無法進入墊繳程序,但雙方又未針
對期滿後可以墊繳附約有明定,當然不會墊繳附約。隨後保險公司依照附約條款催告你們
又不繳保費,當然會進入停效階段。
但條款訂定內容不同之處會影響實際墊繳的發生,你又不拿出主約跟附約的全部條款給大
家看,只是一直跳針,你可以去評議中心或法院看看案例見解就知道邏輯了啦。
--
Tags:
保險
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