| 旅游保险合同什么情况下会终止 |
| 添加时间：2018/12/15 13:44:58 浏览次数： |
| 旅游保险种类很多，国内旅游险、境外旅游险等，出游可能会受到天气、航班等因素的影响，但是投保的旅游保险是有时效限制的，过了一定的期限后，合同会终止，那么接下来就了解下旅游保险合同在什么情况下会终止。 保险合同的终止也就是说在保险合同成立后，因为约定的或者法定的事由发生，致使合同确定的被保险人和保险人之间的义务、权利关系不再继续，从而存在的法律效力完全消灭。终止也是保险合同发展的最终结果。旅游保险合同主要在如下四种情况下会终止，我们来一一解析。 There are many kinds of travel insurance, such as domestic travel insurance, overseas travel insurance, etc. Travel may be affected by weather, flights and other factors, but the insured travel insurance is time-limited, after a certain period of time, the contract will be terminated, then we will know under what circumstances the travel insurance contract will be terminated. The termination of an insurance contract means that after the establishment of an insurance contract, the obligations and rights between the insured and the insurer determined by the contract cease to exist because of the occurrence of agreed or statutory causes, thus the existing legal effect is completely eliminated. Termination is also the ultimate result of the development of insurance contracts. Travel insurance contracts will be terminated mainly in the following four cases. Let's analyze them one by one. （1）满期终止 (1) Termination of expiration 每个保险合同，都会约定一个保险期间，如果满期的话，就会自动终止。这是保险合同终止的最普遍、最基本的原因。例如小王买了30天的国内旅游险---畅玩神州-慧择旅游保险 ，30天后这款旅游保险合同期限到了，这份合同就会终止。如果小王需要继续获得保险保障，则需要重新签订保险合同，也就是我们常说的续保。但需要明白的是，这里所指的续保并不意味着原来旅游保险即畅玩神州-慧择旅游保险期限的延长或是这份旅游保险合同的继续有效，而是指另一个新的旅游保险合同的签订。 Every insurance contract will stipulate an insurance period, if it expires, it will automatically terminate. This is the most common and basic reason for termination of insurance contracts. For example, Xiao Wang bought a 30-day domestic travel insurance - - Chengdu-Huicho travel insurance. After 30 days, this travel insurance contract expires, and the contract will be terminated. If Xiao Wang needs to continue to get insurance coverage, he needs to re-sign the insurance contract, which is what we often call renewal. However, it should be understood that the renewal does not mean the extension of the original travel insurance period or the continued validity of this travel insurance contract, but refers to the signing of another new travel insurance contract. （2）赔付终止 (2) Termination of indemnity 按照合同的约定，如果旅游保险期间发生了相应的赔付，那旅游保险保单也会自动终止。相应的旅游保险责任也会终止。即使保险期限尚未到期，合同也会终止。 According to the agreement of the contract, the travel insurance policy will automatically terminate if the corresponding compensation occurs during the period of the travel insurance. The corresponding travel insurance liability will also be terminated. Even if the insurance period has not expired, the contract will be terminated. （3）被保险人身故终止 (3) Termination of the Insured's Death 保险合同，是以被保险人的身体和健康为标的的，如果被保险人身故，那么合同自然会终止。如王某到法国旅游一周时间，保险期间内，在法国遭遇车祸身亡，就属于这种情况。 Insurance contract is based on the body and health of the insured. If the insured dies, the contract will naturally terminate. If Wang Mou travels to France for a week, during the insurance period, he dies in a car accident in France, this is the case. （4）申请解除终止（退保） (4) Application for termination (surrender) 如果投保人申请解除保险合同，也就是退保，那合同效力也会终止。因为旅游险一般都是消费型，所以也不存在现金价值的内容。当然旅游保险合同履行过程中，法律规定的解除情形出现时，合同的投保人和保险人都有权解除保险合同，终止合同效力。 If the applicant applies for the termination of the insurance contract, that is, the surrender, the validity of the contract will also be terminated. Because tourism insurance is generally consumer-oriented, there is no content of cash value. Of course, in the process of fulfilling the travel insurance contract, the insured and the insurer of the contract have the right to terminate the insurance contract and terminate the validity of the contract when the circumstances of rescission prescribed by law appear. 由上述内容可知，旅游保险合同终止主要是以上四个方面。对于投保人来说，在旅游保险合同成立后，投保人可以随时解除保险合同，但保险人不可随意解除，除非被保险人故意做出的危险性行为而导致的意外伤害事故，保险公司不承担保险责任。 From the above, we can see that the termination of travel insurance contract is mainly in the above four aspects. For the policyholder, after the establishment of the travel insurance contract, the policyholder can terminate the insurance contract at any time, but the insurer can not terminate at will, unless the accident caused by the dangerous act intentionally made by the insured, the insurance company will not bear the insurance liability. |
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