มาตรการทางกฎหมายในการคุ้มครองสิทธิประโยชน์ ของผู้เอาประกันชีวิตและผู้รับประโยชน์

Abstract

The dissertation objectives are to study legal measure in protection of life insurer and beneficiary at the problem of insurance company cancelling policy and refund, the problem surrendering policy life insurance, and the problem indemnity life insurance contract. The findings, studying meets that, A company cancelling policy contract was an agent , or an advertisement of life insurance company, make the insurer believes that, the imperfect health is make a contract insurance policy , A company life insurance cancelling add Civil and Commercial Code section 865, add the insurer and the beneficiary is deprived the advantage of the money induces to a contract, the cancellation of life insurance as of the agent or a company has insurer surrenders the insurance contract in sections 894, the insurer has a little money more fully promise, and not the laws time fixes a company must be indemnity. As a result, the researcher suggests that befitting correct add Civil and Commercial Code sections 892 space are two, if the cancelling contract add section 865 secrets that the cause was not the insured and the insured has received insurance premium, the insurer to compensate the insurance premium and compensate for the insured or heir. And insurance policy act 2535 of legislations correct to add (at 2) 2551 Buddhist Eras, cancel sections 30/1 and use this messages, prohibit an agent or insurance policy agent or insurance policy company to use messages or a picture that advertise or a book persuades at have messages or a picture that contrary to messages in insurance policy, sections 38 add (14) A company must inform doing business transactions about something the insurance policy between a company and life insured and beneficiary to the office of committee controls and encourage a business insurance, add sections 70/3 prohibit an agent persuade advise or the other insured to cancels the insurance contract, sections 33 add (17) prohibit a company persuade advise or assign which person the insured surrenders the insurance contract, add sections 37/2 a company indemnity life insurance contract fifteen within day since on receive inform a danger, the cause as necessity must be report to the office of committee controls and encourage a business insurance.