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保险合同法的基本原则是贯穿于保险法之中的,人们在签订保险合同过程中必须遵循的根本性准则。它始终贯穿于保险活动的全过程,对保险立法和司法实践有重要的指导意义。其主要包括最大诚信原则、保险利益原则、近因原则。本论文通过对保险合同法基本原则的论述,进一步清楚的认识保险合同中基本原则的意义和要求,分析其中的不足并提出合理意见,进一步完善保险合同法,保护投保人的合法权益,稳定保险市场秩序的顺利进行,促进保险事业的健康发展。
The basic principle of the insurance contract law is that it runs through the insurance law and must be followed by the people in the process of signing the insurance contract. It runs through the whole process of insurance activities all the time and has important guiding significance to insurance legislation and judicial practice. It mainly includes the principle of maximum integrity, the principle of insurance benefits and the principle of proximate cause. Through the discussion of the basic principles of insurance contract law, this dissertation further clarifies the significance and requirements of the basic principles of insurance contract, analyzes its deficiencies and puts forward reasonable suggestions to further improve the insurance contract law, protect the lawful rights and interests of policyholders, The smooth progress of the market order and promote the healthy development of insurance.