Câu hỏi 101. Nguyên tắc trung thực tuyệt đối thể hiện trong bảo hiểm nhân th�

Câu hỏi 101. Nguyên tắc trung thực tuyệt đối thể hiện trong bảo hiểm nhân thọ như thế nào?

        Trả lời:

 

Theo quy định chung, khi tham gia bảo hiểm, người tham gia có bổn phận khai báo đầy đủ và chính xác tất cả các yếu tố quan trọng có liên quan, dù được yêu cầu hay không được yêu cầu khai báo.

Yếu tố quan trọng cần phải khai báo trong bảo hiểm nhân thọ: tiền sử bệnh tật của người được bảo hiểm, hồ sơ sức khoẻ của người trong gia đình…

Thời gian khai báo:

Thông thường, Người yêu cầu bảo hiểm phải khai báo các yếu tố quan trọng khi có yêu cầu bảo hiểm. Việc khai báo phải hoàn thành trước khi hợp đồng bảo hiểm được ký kết. Ngược lại, các công ty bảo hiểm đều phải công khai những thông tin liên quan đến phạm vi hoạt động, điều khoản và khả năng tài chính của đơn vị mình.

Khi Người được bảo hiểm cố tình không khai báo đầy đủ các yếu tố quan trọng thì được coi là vi phạm nguyên tắc trung thực tuyệt đối và hợp đồng bảo hiểm có thể bị huỷ bỏ một phần (giảm bớt quyền lợi bảo hiểm) hoặc toàn bộ (chấm dứt hiệu lực).

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