<2018 보험계약법>

제1장 총론

제1절 보험용어 해설

Ⅰ. 보험의 의의 3

Ⅱ. 손해보험과 인보험의 분류 3

1. 손해의 분류 3

2. 손해보험과 인보험의 구분 4

3. 상해보험, 질병보험과 사망보험의 구분 4

Ⅲ. 보험계약 당사자

1. 보험자 5

2. 보험계약자 5

Ⅳ. 보험계약의 관계자

1. 피보험자 5

2. 보험수익자 6

Ⅴ. 보험계약의 이행보조자

1. 보험대리점 7

2. 보험설계사 8

3. 보험의 10

4. 보험중개사 10

Ⅵ. 보험계약의 요소

1. 보험의 목적 12

2. 보험료와 보험금액 13

3. 보험기간 13

4. 보험료불가분의 원칙 15

5. 보험기간과 담보기준 16

6. 보험사고 17

7. 피보험이익 19

8. 보험가액 20

제2절 보험 및 손해보상의 원칙

Ⅰ. 보험사업의 개념

1. 보험의 개념 21

2. 상조회와 상조보험의 비교 21

Ⅱ. 보험 경영의 원칙

1. 서(緖) 21

2. 위험단체를 통한 위험의 분산 22

3. 대수의 법칙 23

4. 수지상등의 원칙(또는 수지균등의 원칙)과 보험 23

5. 보험계약자 평등대우의 원칙 24

Ⅲ. 손해보상의 원칙

1. 서(緖) 26

2. 최대선의의 원칙 26

3. 이득금지의 원칙 28

4. 유사 제도와의 비교 31

제3절 보험의 분류

Ⅰ. 공보험과 사보험(보험의 존재목적에 따른 분류)

1. 공보험과 사보험의 분류 33

2. 보험계약법의 적용 35

Ⅱ. 사보험의 분류

1. 영리보험과 비영리보험회사 35

2. 손해보험과 인보험 36

3. 부정액보험과 정액보험 37

4. 개별보험, 집합보험, 개인보험, 단체보험 37

5. 원보험, 공동보험, 재보험 38

6. 담보대상에 따른 분류 38

7. 보장성보험과 저축성보험 39

8. 강제보험과 임의보험 39

9. 기업보험, 가계보험 39

10. 손해보험의 분류 39

제4절 보험계약과 보험계약법의 특징

Ⅰ. 보험계약의 법적 성질

1. 서(緖) 41

2. 일반 계약의 성질 41

3. 보험계약이 갖는 독특한 특성 43

Ⅱ. 보험계약법의 의의

1. 보험공법과 보험사법 45

2. 실질적 의의의 보험계약법과 형식적 의의의 보험계약법 46

Ⅲ. 보험계약법의 적용범위

1. 보험계약법의 적용범위 46

2. 해상보험에서 보험계약법 적용 여부 46

Ⅳ. 보험계약의 법원 47

Ⅴ. 보험계약법의 특징

1. 윤리성?선의성 48

2. 단체성과 기술성 48

3. 사회성?공공성 49

4. 상대적 강행법규성: 보험계약자불이익변경금지의 원칙 49

■기출 및 예상문제 53

제2장보험계약 총론

제1절 보험계약의 성립

Ⅰ. 보험계약의 성립

1. 불요식.낙성계약 67

2. 청약자와 승낙자 68

3. 보험계약의 성립 68

4. cooling-off(청약철회) 제도 70

Ⅱ. 승낙전 사고에 대한 보험자의 책임

1. 의의 71

2. 존재 이유 71

3. 승낙 전보호제도의 적용 요건 71

4. 보험자의 책임 73

Ⅲ. 소급보험

1. 의의 74

2. 보험자의 담보책임발생요건 74

3. 소급보험의 효과 74

Ⅳ. 소급보험과 승낙전보호제도의 비교

1. 의의 75

2. 승낙 전보호제도와 소급보험의 차이 75

제2절 타인을 위한 보험계약

Ⅰ. 총설

1. 의의 77

2. 타인의 보험의 실례 77

3. 유사개념과 비교 77

Ⅱ. 성립 요건

1. 타인을 위한 계약이라는 합의의 존재 78

2. 타인의 위임여부 78

3. 타인의 지정 여부 79

4. 손해보험의 경우 타인이 피보험이익이 존재하여야 한다. 79

Ⅲ. 보험계약자?피보험자?보험수익자의 권리와 의무

1. 타인의 권리 79

2. 타인의 의무 80

3. 보험계약자의 권리와 의무 80

4. 타인의 위임여부에 대한 고지의무 81

5. 타인을 위한 보험에서 보험계약자의 보험금청구권 82

제3절 보통보험약관에 대한 통제

Ⅰ. 서론

1. 보통보험약관(普通保險約款)의 의의 83

2. 보통보험약관의 존재 이유 84

3. 보통보험약관의 기재사항 84

Ⅱ. 보통보험약관의 통제 84

Ⅲ. 약관의 구속력

1. 서 85

2. 보통보험약관의 구속력에 대한 학설 85

Ⅵ. 설명교부의무: 편입통제

1. 의의 87

2. 취 지 87

3. 약관의 교부의무 88

4. 설명의무의 내용 88

5. 설명교부불이행의 효과 94

Ⅴ. 보통보험약관에 대한 불공정통제

1. 보통보험약관에 대한 규제의 필요성 96

2. 입법적 규제(立法的 規制) 96

3. 행정적 규제(行政的 規制) 97

4. 사법적 규제(司法的 規制) 97

5. 입법적 규제, 행정적 규제, 사법적 규제의 관계 97

제4절 보험증권

Ⅰ. 의의 99

Ⅱ. 보험증권의 교부의무 및 이의약관

1. 보험증권의 교부의무 99

2. 보험증권에 대한 이의신청 100

3. 보험증권의 멸실?훼손과 재교부 101

4. 보험증권의 발행방식 101

Ⅲ. 보험증권의 법적 성질

1. 증거증권성 103

2. 요식증권성 104

3. 면책증권성 105

4. 유가증권성 106

5. 유인증권성(또는 요인증권성) 106

6. 제시증권성, 상환증권성 107

제5절 보험료

Ⅰ. 총설

1. 보험료의 의의 108

2. 보험료 납입의무자 108

3. 보험료영수권자 109

4. 지급장소 109

5. 보험료영수증의 성질 110

Ⅱ. 최초의 보험료부지급의 효과

1. 최초의 보험료의 의의 110

2. 최초의 보험료의 법적 효과 110

Ⅲ. 계속보험료 부지급의 효과

1. 계속보험료의 의의 112

2. 계속보험료 부지급의 효과 112

3. 실효약관의 효력 112

4. 해지의 요건 112

5. 최고 및 해지의 효력발생시점 115

6. 해지의 효과 117

Ⅳ. 수표?어음을 이용한 보험료의 지급

1. 학설 검토 118

2. 선일자수표와 보험료 납입의 효과 119

Ⅴ. 보험계약자의 보험료감액청구권과 반환청구권

1. 보험료감액청구권 120

2. 보험료의 반환 120

Ⅵ. 보험계약의 부활

1. 보험계약법 규정 122

2. 보험계약 부활의 요건 123

3. 보험계약 부활과 고지의무 124

4. 보험자의 설명의무 124

5. 피보험자의 동의 125

6. 보험자의 책임 125

제6절 고지의무

Ⅰ. 총론

1. 고지의무(duty of disclosure)의 의의 126

2. 고지의무제도의 존재이유와 근거 126

3. 법적 성질 126

4. 고지의무의 내용 127

Ⅱ. 고지의무위반의 요건

1. 불고지, 부실고지 131

2. 보험계약자나 피보험자에게 고의, 중과실의 존재 131

3. 입증책임 134

Ⅲ. 고지의무위반의 효과

1. 해지권의 발생 136

2. 해지권의 제한 137

3. 인과관계 부존재의 효력 138

4. 해지의 효과 141

제7절 위험의 증가

Ⅰ. 서론

1. 서(緖) 143

2. 존재이유 143

3. 법적 성질 143

4. 통지의무 당사자 및 통지내용 수령권 144

Ⅱ. 위험유지의무

1. 의의 144

2. 의무위반의 요건 144

3. 효과 145

Ⅲ. 위험증가의 통지의무

1. 의의 145

2. 위험증가의 통지시기와 방법 145

3. 위험증가 통지의무위반 146

4. 위험증가 통지의무위반의 효과 148

5. 위험증가를 통지한 경우 148

Ⅳ. 위험유지의무와 위험증가 통지의무와의 비교

1. 유사점 149

2. 차이점 149

Ⅴ. 약관에서 위험증가 통지의무

1. 위험유지의무의 사문화 150

Ⅵ. 상해보험에서 직업통지의무위반 150

제8절 보험계약자?보험자의 권리와 의무

Ⅰ. 보험의 기본원리 151

Ⅱ. 보험자의 의무와 권리

1. 보험자의 의무 152

2. 보험자의 권리 152

Ⅲ. 보험자의 권리, 피보험자, 보험수익자의 권리와 의무

1. 보험계약자, 피보험자, 보험수익자의 권리 153

2. 보험계약자, 피보험자의 의무 153

제9절 보험금 지급의무와 면책사유

Ⅰ. 보험사고 통지의무

1. 의의 155

2. 의무위반의 효과 155

Ⅱ. 보험금 지급의무

1. 보험금 지급의무의 발생 155

2. 보험금 지급의무의 이행 156

3. 지급보험금의 범위 156

Ⅲ. 보험금 청구권 소멸시효

1. 의의 157

2. 적용요건 157

3. 법적 성질 157

4. 소멸시효 완성 기간 157

5. 소멸시효의 기산점 157

6. 소멸시효 중단사유 161

7. 시효이익의 포기 162

Ⅳ. 면책사유의 개괄

1. 면책사유의 의의 163

2. 법정면책사유 163

Ⅴ. 고의?중과실 면책사유

1. 고의 면책사유 164

2. 중과실 면책조항의 적용 168

3. 대표자책임이론 168

4. 피보험자 개별적용 169

Ⅵ. 전쟁위험 면책

1. 상법조항 170

2. 개념 해석 170

3. 동종제한 해석의 원칙 171

Ⅶ. 보험목적의 성질, 하자 자연소모

1. 상법 규정 171

2. 보험 목적의 성질, 하자 또는 자연소모의 의의 171

3. 위험보편의 원칙 172

Ⅷ. 보험금청구권 상실

1. 의의 172

2. 실권조항의 취지 172

3. 실권조항의 유효성 여부 173

4. 실권조항과 보험자의 설명의무와의 관계 173

5. 보험금청구권 상실의 요건 173

6. 실권의 범위 175

Ⅸ. 인보험에서 면책사유

1. 상법조문 176

2. 상해보험에서 음주, 무면허운전 면책사유의 유효성 문제 176

3. 자살면책조항의 예외 177

3. 상해보험에서 의료사고 면책 178

4. 고도위험 면책사유 179

5. 기여도 감액 180

제10절 보험계약의 무효?실효(소멸)

Ⅰ. 보험계약의 무효

1. 의의 181

2. 무효의 사유 181

Ⅱ. 보험계약의 실효

1. 보험계약의 해지 185

2. 보험계약의 취소 187

3. 보험계약의 당연실효 187

■기출 및 예상문제 189

제3장 손해보험

제1절 피보험이익

Ⅰ. 피보험이익의 개념

1. 피보험이익의 개념 223

2. 보험의 목적과 차이 223

Ⅱ. 피보험이익의 요건

1. 적법한 이익 224

2. 경제적 이익 224

3. 확정 가능한 이익 225

Ⅲ. 피보험이익의 효용

1. 보험계약의 유효조건 225

2. 보험계약의 동일성을 구별하는 표준 225

3. 보험가액의 기능 226

제2절 보험가액

Ⅰ. 보험가액의 의의 227

Ⅱ. 보험가액 평가 시기

1. 기평가보험(협정보험가액) 227

2. 미평가보험 229

제3절 보험금액과 보험가액의 불일치

Ⅰ. 일부보험

1. 의의 231

2. 일부보험 발생의 양태 231

3. 일부보험의 판정시기 231

4. 보상방법 231

Ⅱ. 초과보험

1. 초과보험의 의의 233

2. 초과보험의 판정시기 233

3. 초과보험의 효과 234

Ⅲ. 중복보험

1. 의의 235

2. 성립요건(00년 18번 기출) 236

3. 중복보험의 판정시점 237

4. 중복보험의 효과 237

5. 타보험계약 통지의무 239

6. 책임보험에서의 중복보험 245

제4절 보험목적의 양도조항

Ⅰ. 총설

1. 의의 246

2. 승계추정의 취지 246

3. 보험금청구권의 양도와 구별 246

Ⅱ. 양도 조항의 적용 범위와 적용 배제

1. 상법 제679조가 적용되는 양도의 범위 247

2. 배상책임보험에서 양도조항의 적용 여부 247

3. 인보험에서의 적용 248

4. 선박 양도의 경우 248

5. 자동차 양도의 경우 248

6. 적하보험이나 운송보험의 경우 249

Ⅲ. 보험계약상의 의무와 권리 승계추정의 요건

1. 유효한 보험계약의 존속 249

2. 보험의 목적이 물건일 것 249

3. 물권적 이전 250

4. 양도인이나 양수인에게 명백한 반대의사가 존재하지 않을 것 250

Ⅳ. 양도의 시점 251

Ⅴ. 승계추정의 효과

1. 권리와 의무의 승계 여부 251

2. 통지의무 251

Ⅵ. 반대의 의사표시와 실효의 시점

1. 반대의 의사표시 253

2. 실효의 시점 254

Ⅶ. 양도조항 적용 배제 특약의 효력 254

Ⅷ. 자동차양도조항 적용

1. 상법조문 255

2. 취 지 255

3. 보험계약 승계의 조건 255

4. 양도 시점 256

5. 승계된 보험계약의 성질 256

6. 자동차보험 양도조항과 설명의무의 관계 256

제5절 손해방지의무와 비용

Ⅰ. 총설

1. 의의 257

2. 법적 근거 257

3. 법적 성질 257

4. 의무자 257

Ⅱ. 손해방지의무의 범위

1. 시기와 보험사고의 범위 258

2. 손해방지의 정도 258

Ⅲ. 손해방지의무위반의 요건

1. 손해방지의무의 발생 259

2. 의무위반이 있어야 한다. 259

Ⅳ. 의무위반의 효과 260

Ⅴ. 손해방지비용의 부담

1. 상법의 규정 260

2. 보험자가 부담하는 이유 261

3. 손해방지비용의 부담요건 262

4. 자동차보험에서 긴급조치비용 262

제6절 보험자 대위

Ⅰ. 총설

1. 보험자대위(Subrogation)의 의의 263

2. 적용범위 263

3. 입법이유 264

Ⅱ. 잔존물 대위

1. 의의 264

2. 요 건 264

3. 효 과 265

Ⅲ. 청구권 보험자대위(제3자에 대한 보험자대위)

1. 의의 266

2. 요 건 267

3. 제3자의 범위 269

4. 보험자대위의 효과 273

5. 보험자대위의 범위와 제한 274

제7절 화재보험

Ⅰ. 총설

1. 의의 279

2. 보험사고 279

3. 보험의 목적 280

4. 보험증권의 기재사항 280

5. 피보험이익 280

6. 보험기간 281

Ⅱ. 보험자의 손해보상책임

1. 보험자의 보상책임 281

Ⅲ. 집합보험

1. 의의 283

2. 유 형 283

3. 해지권의 제한 284

4. 보험금청구권의 상실 284

제8절 운송보험

Ⅰ. 총설

1. 의의 285

2. 보험사고?보험기간 285

3. 운송보험증권의 기재사항 286

4. 보험가액 286

Ⅱ. 운송보험 면책사유 287

제9절 해상보험

Ⅰ. 총설

1. 의의 288

2. 해상보험의 특징 288

3. 해상보험의 기재사항 289

4. 해상보험의 종류 290

5. 보험기간 292

6. 보험사고 293

7. 보험가액 294

Ⅱ. 예정보험

1. 의의 294

2. 선박미확정의 적하예정보험 295

Ⅲ. 보험자의 보상책임

1. 보상해야 할 손해의 범위 295

2. 보험금의 산정에 관한 상법규정 296

Ⅳ. 보험자의 책임 제한사유

1. 감항능력담보 297

2. 담보위반 298

3. 면책사유 300

Ⅴ. 보험위부

1. 의의 300

2. 존재 이유 300

3. 법적 성질 300

4. 보험위부의 원인 301

5. 보험위부의 행사 301

6. 보험위부의 효력 301

7. 위부의 승인 302

8. 위부와 보험자대위권의 비교 302

9. 행방불명과 위부의 차이 303

제10절 책임보험

Ⅰ. 총론

1. 책임보험의 의의 304

2. 책임보험의 성질 304

3. 배상책임의 3면관계 304

Ⅱ. 배상책임보험의 종류

1. 대인배상책임과 대물배상책임 305

2. 제3자 배상책임과 보관자 배상책임 305

3. 일반 배상책임과 전문직 배상책임 306

4. 임의보험과 강제보험 306

Ⅲ. 책임보험의 요소

1. 보험의 목적 306

2. 피보험이익 306

3. 보험사고 307

Ⅳ. 배상책임 발생의 법률적 근거

1. 문제의 제기 307

2. 계약에 근거한 손해배상책임 307

3. 법률규정에 의한 손해배상책임 308

Ⅴ. 직접청구권

1. 의의 309

2. 배상책임보험에서 분리주의와 개입권 309

3. 직접청구권의 법적 성질 309

4. 직접청구권과 손해배상청구권, 보험금청구권과의 관계 310

5. 보험자의 항변권 312

6. 소멸시효 314

Ⅵ. 보험자의 보상책임

1. 보험자의 보상책임의 범위 315

2. 여러 개의 책임보험 318

제11절 재보험

Ⅰ. 총설

1. 의의 319

2. 재보험의 기능 319

3. 재보험과 공동보험의 비교 319

Ⅱ. 재보험의 종류

1. 임의재보험과 의무재보험개별적 재보험과 의무재보험 320

2. 재보험 방법에 따른 분류 321

Ⅲ. 원보험계약과 재보험계약의 법률관계

1. 재보험의 법적 성질 322

2. 재보험계약과 원보험계약의 독립성 322

제12절 보증보험

Ⅰ. 보증보험의 의의 324

Ⅱ. 보증보험의 법적 성질 324

Ⅲ. 민법상 보증, 보증보험과 신용보험의 차이 324

Ⅳ. 보증보험의 특징

1. 서론 325

2. 상법 제659조 고의면책의 적용 여부 325

3. 보험계약자의 귀책사유에 의한 보험계약 하자와 보험자의 항변 여부 325

4. 보험계약자의 해지권 326

5. 보증보험계약의 보충성 부정 326

6. 보증보험의 부종성 326

Ⅴ. 보험자의 구상권

1. 보증인이 대한 구상권 327

2. 주채무자에 대한 구상권 327

■ 기출 및 예상문제 328

제4장 인보험

제1절 통칙

Ⅰ. 인보험계약의 의의 359

Ⅱ. 인보험증권의 기재사항 359

Ⅲ. 인보험의 특징

1. 피보험이익의 존부 문제 360

2. 보험자대위의 금지 360

3. 손해방지의무의 존재 360

4. 피보험자의 자격제한 361

5. 보험사고 361

Ⅳ. 인보험에서 보험자의 의무

1. 보험금 지급의무 362

2. 고의, 중과실 사고 담보 여부 362

3. 적립금반환의무 363

4. 상해질병보험에서 준용 363

제2절 타인의 생명보험

Ⅰ. 의의 364

Ⅱ. 피보험자의 자격제한

1. 상법 규정과 해석 364

2. 동 규정의 취지 365

3. 판단시기 365

4. 심신박약자에 대한 예외 366

Ⅲ. 피보험자의 동의

1. 서론 366

2. 동의를 요하는 경우 367

3. 동의의 성질 368

4. 동의의 방식 369

5. 동의의 시점 371

6. 동의의 철회 372

7. 상법 제731조와 보험자의 설명의무 373

8. 피보험자의 동의가 없는 경우 보험계약의 효력 373

9. 보험업법 제102조에 의한 손해배상책임 374

Ⅳ. 보험수익자 지정?변경권

1. 의의 375

2. 지정?변경의 효력발생 요건 376

3. 효력발생 시점 377

4. 보험수익자 지정?변경의 제한 378

5. 보험수익자의 확정 378

6. 보험수익자의 지위의 성질 380

제3절 상해보험

Ⅰ. 총설

1. 상해보험계약의 의의 381

2. 상해보험증권 기재사항 381

3. 상해보험에서 피보험자의 자격 381

4. 준용조항 382

Ⅱ. 보험자의 보상책임

1. 보험자 보상책임 발생 요건 382

2. 음주무면허운전 등 면책조항의 유효성 여부 385

3. 사망보험 준용조항의 해석 385

4. 연생보험에서 피보험자의 자격 상실 386

제4절 단체보험

Ⅰ. 의의 387

Ⅱ. 특징

1. 위험인수보험증권의 교부 387

2. 단체선택의 원리 적용 387

3. 보험료의 할인 388

4. 보험계약자의 지위 388

5. 개인계약으로의 전환 389

Ⅲ. 타인의 동의 

1. 보험계약 체결 시 389

2. 보험수익자 지정?변경시 390

■ 기출 및 예상문제 392

◈ 부록 ◈ 

제39회(2016) 보험계약법 기출문제 401

제40회(2017) 보험계약법 기출문제 418

상법 제4편 보험 436

참고문헌 452


<2018 보험계약법 요약 및 기출문제집> 

제1장 총 론

제1절 보험용어 해설

Ⅰ. 보험의 개념 ·················································· 3

1. 보험계약의 관점 ············································ 3

2. 경제학적 관점 ··············································· 3

Ⅱ. 보험의 분류 ················································· 4

Ⅲ. 보험계약 당사자 및 이해관계자 ··············· 4

1. 보험계약자, 보험수익자 ································· 4

2. 피보험자 ························································ 5

Ⅳ. 피보험이익과 보험가액 ································ 7

1. 피보험이익 ···················································· 7

2. 보험가액 ························································ 8

Ⅴ. 보험사고 ························································ 9

Ⅵ. 보험기간 ······················································ 12

Ⅶ. 집합보험 ······················································ 12

1. 의의 ···························································· 12

2. 포괄보험 ······················································ 12

3. 집합보험과 고지의무위반, 보험금청구권 상실 12

4. 집합보험에서 보험 목적의 일부양도 ··········· 13

Ⅷ. 보험대리점?보험설계사?보험중개사의

법적 지위 ···················································· 14

1. 의의 ···························································· 14

2. 보험대리점의 권한 ······································ 14

3. 보험설계사의 권한 ······································ 15

4. 보험중개사의 권한 ······································ 15

제2절 보험계약 및 보험계약법의 특징

Ⅰ. 보험계약의 특징 ········································· 19

1. 보험계약의 일반적 성격 ······························ 19

2. 보험계약의 특유의 성격 ······························ 19

Ⅱ. 보험계약자평등대우의 원칙 ······················ 21

Ⅲ. 보험계약법과 보험업법의 차이 ·············· 22

Contents

제2장 보험계약 총론

제1절 보험계약의 성립

Ⅰ. 계약의 설립 ················································ 25

Ⅱ. 승낙전 보호제도 ········································· 26

1. 요건 ···························································· 26

2. 거절할 사유의 입증책임 ···························· 26

Ⅲ. 소급보험 ······················································ 31

제2절 타인을 위한 보험계약

1. 의의 ···························································· 32

2. 유형 ···························································· 32

3. 피보험자를 불분명할 경우 피보험자 확정 · 33

4. 타인을 위한 보험계약의 성립 및 타인의 지정

여부 ···························································· 34

5. 의무와 권리 ················································ 35

제3절 보험증권

1. 의의 ···························································· 38

2. 보험증권 교부의무 ····································· 38

3. 보험증권의 성질 ·········································· 39

4. 보험증권 기재사항 ······································ 42

제4절 보통보험약관에 대한 통제

Ⅰ. 보험계약자불이익변경금지원칙 ················ 44

1. 의의 ···························································· 44

2. 효력 ··························································· 44

3. 예외 ···························································· 45

Ⅱ. 약관에 대한 해석원칙 ······························· 49

1. 약관해석원칙의 필요성 ································ 49

2. 적용대상 ······················································ 49

3. 개별약정 우선해석의 원칙(수기우선의 원칙,

보험증권 우선해석의 원칙) ························· 49

4. 객관적해석의 원칙과 통일적용의 원칙 ········ 49

5. 작성자불이익해석의 원칙 ···························· 49

Ⅲ. 보험약관의 구속력 ····································· 52

1. 의의 ··························································· 52

2. 규범설 ························································· 52

3. 의사설 ························································· 52

4. 약관의 교부 설명의무(제1통제: 편입통제) ·· 54

제5절 보험료

Ⅰ. 개괄 ····························································· 61

1. 보험료 ························································· 61

2. 보험료납입 채무 ·········································· 61

3. 최초보험료 ················································ 61

4. 계속보험료 부지급의 효과 ························· 62

Ⅱ. 어음, 수표를 이용한 최초보험료 납입과

담보책임 ······················································ 67

Ⅲ. 보험료 반환 ················································ 69

1. 무효 ···························································· 69

2. 보험료적립금 반환 ······································ 69

3. 미경과보험료 반환 ······································ 69

Ⅳ. 보험계약의 부활 ········································· 70

1. 의의 ···························································· 70

2. 부활계약의 성질 ·········································· 71

3. 고지의무 ······················································ 71

4. 실효기간과 보험자의 보상책임 ···················· 71

Ⅴ. 보험금청구권의 소멸시효 ·························· 73

1. 보험금청구권 소멸시효 ································ 73

제6절 고지의무

Ⅰ. 고지의무에서 고지의무와 수령권자 ······· 75

1. 고지의무의 의의 ·········································· 75

2. 고지의무자와 고지수령권자 ························· 75

3. 타인을 위한 손해보험에서 타인(피보험자)의

고지의무 ······················································ 76

4. 고지의무법적 성질 ······································ 77

Ⅱ. 고지의무위반의 요건과 효과 ·················· 78

1. 고지의무위반의 판단 시점 ·························· 78

2. 고지의무위반의 요건 ··································· 78

3. 해권권 ························································· 81

4. 해지의 효과 ··············································· 81

5. 해지권 제척사유 ·········································· 83

Ⅲ. 사기, 착오에 의한 고지의무위반 ··········· 84

제7절 통지의무

Ⅰ. 고지의무, 위험유지의무, 위험증가통지의무

비교 ····························································· 88

Ⅱ. 위험증가 통지의무이행과 통지의무위반의

효과 ····························································· 89

1. 상법 내용 ···················································· 89

2. 직업변경 통지의무위반 ······························ 89

3. 보험대리점이 개축 공사장 방문의 효과 ···· 92

Ⅲ. 통지의무 유형별 비교 ······························· 93

제8절 보험금 지급의무와 면책사유

Ⅰ. 보험금 지급의무 ······································· 94

Ⅱ. 면책조항 ······················································ 96

1. 고의 면책조항 ············································· 96

2. 중과실 면책조항 ·········································· 97

3. 대표자 책임이론 ·········································· 97

5. 기타 면책사유 ··········································· 102

Ⅲ. 보험금청구권 상실 ·································· 103

Ⅸ. 인보험에서 면책사유 ·································· 104

1. 상법조문 ··················································· 104

2. 상해보험에서 음주, 무면허운전 면책사유의

유효성 문제 ·············································· 104

3. 자살면책조항의 예외 ································· 105

3. 상해보험에서 의료사고 면책 ····················· 105

4. 고도위험 면책사유 ···································· 109

4. 기여도 감액 ·············································· 110

Ⅴ. 보험금 청구권 소멸시효 ······························· 110

1. 의의 ························································ 110

2. 소멸시효 완성 기간 ·································· 110

3. 소멸시효의 기산점 ···································· 110

4. 소멸시효 중단사유 ···································· 111

제3장 손해보험

제1절 피보험이익

1. 의의 ·························································· 115

2. 피보험이익의 요건 ···································· 115

3. 보험종류별 피보험이익과 보험가액의 비교 115

제2절 보험가액

1. 의의 ·························································· 117

2. 보험가액의 기능 ········································ 117

3. 보험가액 평가 기준 ·································· 117

4. 보험가액 평가 시기 ·································· 117

Ⅰ. 일부보험 ··················································· 121

1. 일부보험. 초과조험. 중복보험 판단 시점 ·· 121

2. 일부보험 보상방법 ···································· 121

3. 손해방지비용 ··········································· 122

4. 비례보상의 원칙/일부보험/분손 ··············· 122

5. 전부보험에서 분손(分損) ·························· 122

6. 다음 산식에 맞는 것은 ····························· 122

Ⅱ. 초과보험 ··················································· 125

1. 의의 ·························································· 125

2. 판단 ························································ 125

3. 효과(주관주의) ·········································· 125

Ⅲ. 중복보험 ··················································· 127

1. 의의 ·························································· 127

2. 중복보험의 요건 ········································ 127

3. 중복보험의 효과 ······································ 127

4. 타보험계약 통지의무 - 불완전법규이다. ··· 130

5. 초과 전보조항 ········································· 132

제3절 무효 및 실효

Ⅰ. 보험계약의 무효 ······································ 134

1. 인보험, 손해보험 공통 무효사항 ··············· 134

2. 인보험에서 무효 사고 ····························· 134

3. 손해보험의 무효 사항 ······························· 134

Ⅱ. 실효 ··························································· 135

1. 해지에 의한 실효 ···································· 135

2. 보험계약의 당연실효 ································· 135

제4절 보험목적의 양도

1. 보험목적의 양도 ······································ 138

2. 보험목적 양도 조항 적용 여부 ················· 139

3. 양도 통지의무 ··········································· 140

4. 양도 통지의무와 지명채권 양도 통지의무의

비교 ·························································· 140

5. 자동차보험 양도조항 ································· 142

6. 자동차보험에서 일시담보특약 ··················· 144

제5절 손해방지의무와 비용

1. 손해방지의무 ············································· 146 

2. 손해방지비용과 방어비용의 차이 ·············· 146

제6절 보험자대위

Ⅰ. 총설 ··························································· 149

1. 보험자 대위 ············································· 149

2. 보험자대위의 목적 ···································· 149

Ⅱ. 잔존물대위 ·············································· 150

1. 요건 ·························································· 150

2. 잔존물대위 시점 ········································ 150

3. 효과 ························································ 151

4. 일부보험에서 잔존물대위 금액 ················· 151

5. 잔존물대위 포기 ······································ 151

Ⅲ. 청구권 대위 ············································ 152

1. 대위금액 ··················································· 152

2. 청구권 대위의 발생 요건 ·························· 152

3. 청구권 대위에서 제3자에 포함되지

않는 자 ····················································· 153

4. 타인을 위한 보험에서 보험계약자가 타인에

해당되는지 여부 ········································ 155

5. 대위한 권리의 유형과 소멸시효 ················ 157

6. 피보험자의 처분행위의 효력 ····················· 157

7. 보험금 지급 후 제3자가 피보험자에게

배상한 경우 ·············································· 157

제7절 책임보험

1. 개론 ·························································· 162

2. 책임보험의 이분법 ···································· 163

3. 책임보험의 3면관계 - 이분법과 상반된

견해 ························································ 164

4. 책임보험 특유의 통지의무 ························ 164

5. 담보하는 손해 ········································· 164

6. 비용의 담보 ·············································· 166

7. 직접청구권 ················································ 169

제8절 재보험

1. 의의 ························································ 171

2. 재보험과 공동보험의 차이 ······················ 171

3. 재보험계약의 독립성 ································· 171

4. 운명추정조항 ··········································· 172

제9절 보증보험

1. 보증보험의 의의 ········································ 174

2. 채무불이행의 담보 ·································· 174

3. 보증보험의 특징 ········································ 174

4. 보증보험의 구상권 ···································· 174

제10절 화재보험

1. 화재보험에서 담보위험 ····························· 178

2. 화재의 정의 ············································· 178

3. 화재보험에서 담보손해 ···························· 179

제11절 운송보험

1. 대상 ·························································· 182

2. 보험사고, 보험기간, 보험가액 ··················· 182

3. 보상책임에 대한 특징 ······························· 182

제12절 해상보험

Ⅰ. 총설 ··························································· 185

1. 의의 ·························································· 185

2. 해상사고의 특징 ········································ 185

3. 해상보험 약관 변경 ································· 186

4. 해상보험의 기재사항 ································· 187

5. 보험가액 ··················································· 187

6. 해상보험의 종류 ········································ 187

7. 선박미확정예정보험 ··································· 188

6. 보험기간 ··················································· 189

7. 보상책임 ··················································· 191

8. 감항능력불비 ············································· 193

9. 담보위반 ··················································· 194

10. 면책사유 ················································· 196

11. 보험위부(해상보험에서만 존재) ·············· 197

제4장 인보험

1. 인보험 개론 ·············································· 205

2. 사망보험 ··················································· 208

3. 타인의 사망보험 ········································ 210

4. 보험수익자의 지정변경권 ·························· 213

5. 상해보험 ··················································· 219

5. 단체보험 ··················································· 222

저자 : 오세창