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保險法第六十四條對電話行銷管理與成交保單適用之研究 = Study on...

國立高雄大學高階法律暨管理碩士在職專班(EMLBA)

保險法第六十四條對電話行銷管理與成交保單適用之研究 = Study on Article 64 of Insurance Law Against the Applicable Management and Telemarketing Trading Strategies

紀錄類型:	書目-語言資料,印刷品 : 單行本
並列題名:	Study on Article 64 of Insurance Law Against the Applicable Management and Telemarketing Trading Strategies
作者:	孫碧蓮,
其他團體作者:	國立高雄大學
出版地:	[高雄市]
出版者:	撰者;
出版年:	2015[民104]
面頁冊數:	[10], 111面圖，表 : 30公分;
標題:	據實說明義務
標題:	Duty of disclosure and representation
電子資源:	http://handle.ncl.edu.tw/11296/ndltd/92835704042123404308
附註:	參考書目：面105-111
附註:	104年3月25日公開
摘要註:	保險之宗旨，在於互助共濟，保險契約為善意契約，又稱誠信契約；保險契約仍最大之誠信契約，保險契約之締結，更須本於當事人最大之善意。保險標的通常為要保人掌握中，保險人較難詳為調查，保險契約既係以將來偶發之保險事故為保險人支付保險金之基礎，則保險人必須且有權測定危險之發生率，已決定保險費甚至是否願意承保等；若要保人違反保險法之告知義務，勢必使保險人對於危險之測定更加困難，形成保險人不利之局面，為保護保險人，各國保險法律多規定保險人於此情形下，得行使契約解除權。傳統保險之行銷方式多以面晤銷售為主，隨著科技進步及時代變遷成多元化行銷方式，電話行銷就是其中一個很成功之銷售通路，主管機關金管會於99年9月1日起，規定電話行銷線上投保有一段宣告必須向客戶宣讀：「要保人於電話中就詢問事項所為說明之內容，僅能作為保險公司承保與否之參考，不得作為保險公司行使保險法第64條保險契約解除權之依據。」保險法第64條，此條文為要保人違反據實告知義務之時，為保護保險人得行使契約解除權之條款，也謂為保險人之帝王條款。惟電話行銷保險都是口頭詢問線上成交並無書面，故保險法第64條，對電話行銷線上成交保險而言，完全沒有保護力；反之，保險法第64條法令，是在保護透過電話行銷線上購買保險之要保人。研究生從事電話行銷保險工作十一年時間，對此規定之宣告內容一直百思不解，所以特別研究電話行銷與面晤行銷在此條法令規範差異性，以及電話行銷管理與話術之規範，同時也希望透過此研究，讓更多人了解購買電話行銷保險之優點，更希望基於保險契約之對價平衡原則、誠信原則、最大善意原則，此條宣告規定內容應予於修改，或保險法第64條可以修改為要、被保險人書面或口頭詢問告知均適，在現行相關法令及規定未為修改前，可能衍生之問題提出個人研究之見解及建議。本文要探討是保險法第64條對電話行銷管理及成交保單適用之省思研究。 The purpose of insurance is mutual aid, contract of insurance, or contract of good-faith, is also the contract of integrity. The upmost good-faith of litigant is the foundation of insurance contract. The subject insured is normally grasped by policy-holder, and difficult to be investigated by insurer. As insurance contract is the base of possible insurance perils for coverage from insurer, insurer must and have rights to evaluate the incidence rate, and determine the premium, even the will of insurance contract; basis Insurance Law policy-holder violates truthful disclosure, is bound to raised difficulty of insurer, and leads to adverse condition of insurer. To protect insurer, basis insurance low from mainly countries insurer has rights of contract recession.Direct selling is one of the most selected traditional marketing channels, changes of times and modern technology brings diversified marketing strategy, telemarketing is one of the successful channels. Starting 1st-Sep-2010, the central governing authority FSC (Financial Supervisory Commission) stated that an announcement shall be noticed by client before entering into an insurance contract over the telephone:“Policy-holder’s disclosure to questions is reference of insurer’s decision to insure, the provisions of Article 64 shall not be used by insurer to exercise the right of contract recession.” The provision of Article 64 of Insurance Law, is to protect insurer from policy-holder disobeying duty of truthfully inform by exercising right of contract recession, as known as insurer’s empire provision.Yet insurance contracts complete over telephone are without written forms, the provisions of Article 64 have no protection to insurer from insurance selling by telemarketing, but policy-holder.Through 11 years of working experiences with insurance by telemarketing, the content of the provisions has been confusing me, which leads to my study of variance between insurance selling by telemarketing and directing selling, normativity of provisions to telemarketing management and communication skills. Expecting advantages of insurance by telemarketing may be discovered by society. Furthermore, based on Equality of the Premium and Coverage in Insurance Law, Principle of Integrity, and Principle of Upmost Good-faith, expecting the Provisions can be reviewed, or modified the applicability of Provision either by form or verbal acknowledge. As well as my point of view and suggestions to possible problems given current circumstance without Provision corrections. The major study of my research is the normativity of provisions of Article 64 in Insurance Law, and its applicability to complete insurance contracts.

保險法第六十四條對電話行銷管理與成交保單適用之研究 = Study on Article 64 of Insurance Law Against the Applicable Management and Telemarketing Trading Strategies
孫, 碧蓮

保險法第六十四條對電話行銷管理與成交保單適用之研究 = Study on Article 64 of Insurance Law Against the Applicable Management and Telemarketing Trading Strategies / 孫碧蓮撰 - [高雄市] : 撰者, 2015[民104]. - [10], 111面 ; 圖，表 ; 30公分.
參考書目：面105-111104年3月25日公開.
據實說明義務Duty of disclosure and representation

保險法第六十四條對電話行銷管理與成交保單適用之研究 = Study on Article 64 of Insurance Law Against the Applicable Management and Telemarketing Trading Strategies
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