ÀÚ·á½Ç[º¸°í¼­]

°è¾àÀü ¹ßº´ ºÎ´ãº¸Á¶Ç×ÀÇ À¯¡¤¹«È¿¿¡ °üÇÑ ¿¬±¸(2018 ¿¬±¸³í¹®, ±è¼±Á¤)
±Û¾´ÀÌ °ü¸®ÀÚ

³¯Â¥ 20.07.30     Á¶È¸ 6632

÷ºÎÆÄÀÏ : °è¾àÀü ¹ßº´ ºÎ´ãº¸Á¶Ç×ÀÇ À¯¡¤¹«È¿¿¡ °üÇÑ ¿¬±¸(±è¼±Á¤, °æ¿µ¹ú·ü Á¦29Áý Á¦4È£).pdf

°è¾àÀü ¹ßº´ ºÎ´ãº¸Á¶Ç×ÀÇ À¯¡¤¹«È¿¿¡ °üÇÑ ¿¬±¸

A Study on the Invalidity of the Pre-existing Condition Exclusion Clause

 

±è¼±Á¤(Sun-Jeong Kim) µ¿±¹´ëÇб³ ¹ýÇаú ±³¼ö

 

  

<±¹¹®ÃÊ·Ï>

Áúº´ ¶Ç´Â °Ç°­º¸Çè±Ý Áö±Þ°ÅÀýÀÇ ±Ù°Å°¡ µÇ´Â °è¾àÀü ¹ßº´ ºÎ´ãº¸Á¶Ç×Àº Áö³­ 1¼¼±â ÀÌ»ó °¢±¹ÀÇ º¸Çè¾à°ü¿¡¼­ »ç¿ëµÇ¾î¿Ô´Ù. ¿ì¸®³ª¶ó ´ë¹ý¿øÀº ÀÌ Á¶Ç×À» À¯È¿ÇÏ´Ù°í º¸¾Ò´Ù. ÀÌ¿Í ´Þ¸® 2017³â ±ÝÀ¶°¨µ¶¿ø ±ÝÀ¶ºÐÀçÁ¶Á¤À§¿øȸ´Â ÀÌ Á¶Ç×ÀÌ ¹«È¿¶ó°í Á¶Á¤ °áÁ¤ÇÏ¿´´Ù. ¿©·¯ ÀÌÀ¯°¡ ÀÖÀ¸³ª ÀÌ Á¶Ç×ÀÌ »ó¹ý Á¦651Á¶ µîÀÇ °íÁöÀǹ«±ÔÁ¤À» ÀáÅ»ÇÏ´Â °ÍÀ̾ »ó¹ý Á¦663Á¶ÀÇ ºÒÀÌÀͺ¯°æ±ÝÁöÁ¶Ç× À§¹ÝÀ̶ó°í ¹àÇû´Ù. 

±×·¯³ª ÇØ´ç »óÇ°À» ¸¸µé ´ç½Ã¿¡´Â Ç¥Áؾà°ü¿¡µµ ºÎ´ãº¸Á¶Ç×ÀÌ ÀÖ¾ú´Ù. ´Ù¼ö º¸ÇèÀÚµéÀº ¿©ÀüÈ÷ ºÎ´ãº¸Á¶Ç×À» »ç¿ëÇÏ°í ÀÖ´Ù. ¿ª»çÀûÀ¸·Î ¶Ç º»ÁúÀûÀ¸·Î ÀÌ Á¶Ç×Àº °íÁöÀǹ«Á¶Ç×°ú ÀüÇô ´Ù¸¥ °ÍÀÌ´Ù. ±×·¯¹Ç·Î º¸Çè°è¾àÀÚ°¡ ÀÌ Á¶Ç×°ú °íÁöÀǹ«Á¶Ç×À» È¥µ¿ÇÑ´Ù´Â ÀÌÀ¯¸¸À¸·Î ÀÌ Á¶Ç×À» ¹«È¿·Î ÇÒ ¼ö´Â ¾ø´Ù. 

º¸Çè°è¾àÀÚ º¸È£¸¦ À§Çؼ­´Â ¾à°ü¹®¾ðÀÇ ÆòÀÌÈ­¡¤¸íȮȭ, º¸ÇèÀÚÀÇ ¼³¸íÀǹ« °­È­, °è¾àÀÚÀÇ ÁÖ°üÀû ÀνÄÀÇ ¿ä°ÇÈ­, ÀϺΠÁß´ëÁúº´À¸·Î Àû¿ë¹üÀ§ ÇÑÁ¤, Á¶Ç×ÀÇ Àû¿ë±â°£ ´ÜÃà ¹æ¹ý µîÀÌ °¡´ÉÇÏ´Ù. µ¶ÀÏÀ» »« ¿Ü±¹¿¡¼­´Â ÀÌ Á¶Ç×ÀÇ »ç¿ëÀ» Á¦ÇÑÇÏÁö¸¸ Àü¸é±ÝÁöÇÏÁö´Â ¾Ê¾Æ ±Û·Î¹ú ±âÁØ¿¡µµ ¸ÂÁö ¾Ê´Â´Ù. ºÎ´ãº¸Á¶Ç×Àº ±× ÀÚü¸¦ ¸ðµÎ À¯È¿³ª ¹«È¿¶ó°í ÇÒ °ÍÀÌ ¾Æ´Ï°í, Á¶Ç×ÀÇ ³»¿ëÀÌ ¹«¾ùÀÎÁö¿¡ µû¶ó ÆÇÁ¤ÇÏ¿©¾ß ÇÑ´Ù. 

 

<¿µ¹®ÃÊ·Ï>

Over the past several decades, the pre-existing condition exclusion clause has been used as a basis for refusing payment of accidents and disease insurance money in many countries. Supreme court of korea deals with the case under the premise that clause is valid. In contrast, The Financial Disputes Mediation Committee within the Financial Supervisory Service decide that pre-existing clause are void because insurer skillfully evaded the commercial act Sec.651 and breach of Sec.663.(July.27.2017. No.2017-9). The mediation plan was accepted by the persons concerned and have the same effect as a judicial compromise. But still uses pre-existing clause in many policies.

Historically and essentially, pre-existing clause is quite different from the duty of disclosure clause. Therefore, it is doubtful whether this clause invalid merely because this clause arises confusion with the duty of disclosure clause. For the protection of policyholders, there is also a way to make it easier to express the terms, to strengthen the duty of explanation, to limit its application to some serious diseases, or to shorten the duration of this clause. In countries outside of Germany, the use of this clause is restricted, but not prohibited, and the mediation plan does not meet global standards.

And, to date, to use preexisting clause seems to be an insurance practice in each country that insurers can use this clause under certain restrictions if they so desire.

Therefore, the clause does not mean that it is all valid or invalid. It shall be determined whether it is valid or invalid according to the content of the clause.

 

Å°¿öµå : °è¾àÀü ¹ßº´ ºÎ´ãº¸, ÃÖÃʹߺ´ÀÌ·Ð, °íÁöÀǹ«, ºÒ°¡ÀïÁ¶Ç×, »çĪ»ç±â°è¾à, ±ÝÀ¶ºÐÀï Á¶Á¤¾È

              Pre-existing Conditions Exclusion, The First Manifest Doctrine, Duty of Disclosure, Incontestable Clause

            , Imposter Fraud Contract, Mediation Plan of Financial Disputes.

 

°ÔÁ¦Áö : °æ¿µ¹ý·ü, 2019, vol.29, no4, pp.201-240(40pages)

 

 

   ¡Ø º» ¿¬±¸´Â ´ë»ê½Å¿ëÈ£±â³ä»ç¾÷ȸÀÇ Áö¿øÀ» ¹Þ¾Æ ¼öÇàµÇ¾ú½À´Ï´Ù.

 

 

 

Æ®À§ÅÍ Æ®À§ÅÍ ÆäÀ̽ººÏ ÆäÀ̽ººÏ Ä«Ä«¿ÀÅå Ä«Ä«¿ÀÅå Ä«Ä«¿À½ºÅ丮 Ä«Ä«¿À½ºÅ丮 ¶óÀÎ ¶óÀÎ

  • ÈÞ´ëÆù
  • --
  • »çÁø
  • µµ¹è¹æÁö
  • µµ¹è¹æÁö
    ¸ñ·Ï ÀÌÀü ´ÙÀ½ ±Û¾²±â ´ä±Û ¼öÁ¤ »èÁ¦

ÇöÀçÆäÀÌÁö 1 / 2

ÁÖÅÿ¬±ÝÀÇ ¼Òµæ´ëüÀ²¿¡ °üÇÑ ¿¬±¸ (2017 Áö¿ø³í¹®, ¿©À±°æ) ³í¹®
ÁÖÅÿ¬±ÝÀÇ ¼Òµæ´ëüÀ²¿¡ °üÇÑ ¿¬±¸ A Study on Replacement Rates of Reverse Mortgage Loan   ¿©À±°æ ÀÌÈ­¿©ÀÚ´ëÇб³ °æ¿µÇаú ±³¼ö, °³ÀÎÀ繫ÇÐ ¹Ú»ç, yuhyk@ewha.ac.kr   ÙÍ ó­ ¥°. ¼­·Ð ¥±. ¼±Ç࿬±¸ °íÂû 1. ¼Òµæ...

°í·É»çȸÀÇ »çȸº¸Àå°ú ¼¼´ëÃæµ¹ (2013 Áö¿øµµ¼­, ¿À¿µ¼ö) Àú¼­
Ã¥¼Ò°³   ¡º°í·É»çȸÀÇ »çȸº¸Àå°ú ¼¼´ëÃæµ¹¡»´Â ¡´½Ã´ëÀû À̽´°¡ µÈ ¼¼´ëÃæµ¹¡µ, ¡´¼¼´ëÃæµ¹À̶õ ¹«¾ùÀΰ¡¡µ, ¡´¼¼´ëÃæµ¹À» ¾î¶»°Ô Á¢±ÙÇÒ °ÍÀΰ¡¡µ, ¡´´ë°¡Á· ½Ã´ëÀÇ ¸¶Áö¸· ¼¼´ëÀÎ º£À̺ñºÕ ¼¼´ë¡µ, ¡´Á¶±âÅðÁ÷À» ¿ä±¸¹Þ´Â º£...

¾Ï À§ÇèÀνİú ¾Ïº¸Çè °¡ÀÔ - ¿ª¼±Åà °¡´É¼º - (2014 ³í¹®Áö¿ø, ±è´ëȯ) ³í¹®
¾Ï À§ÇèÀνİú ¾Ïº¸Çè °¡ÀÔ - ¿ª¼±Åà °¡´É¼º-  - ºÒ¿¬¼Ó½Ã°£Ã¼°èÇÏ¿¡¼­ÀÇ Á¢±Ù -   ¿À±â¼® ÃÊ´ç´ëÇб³ °æ¿µÇаú ±³¼ö   [±¹¹®ÃÊ·Ï] ¿ì¸®³ª¶óÀÇ °æ¿ì ¾Ï ¹ßº´·ü°ú ¾ÏÀ¸·Î ÀÎÇÑ »ç¸Á·üÀÌ ³ô°í, ¾ÏȯÀÚÀÇ ÀÇ·áºñ¿ë°ú ½Ç...

¡ºº¸ÇèÇÐ, Àι®Çп¡ ºüÁö´Ù¡» (2019 Áö¿øµµ¼­, ÀÌ°æÀç) Àú¼­
¡ºº¸ÇèÇÐ, Àι®Çп¡ ºüÁö´Ù¡»    ÀúÀÚ¼Ò°³, ÀÌ°æÀç   30¿© ³â Àü, '1ÀÎÀº ¸¸ÀÎÀ» À§ÇØ, ¸¸ÀÎÀº 1ÀÎÀ» À§ÇØ'¶ó´Â ¸»¿¡ ¸Å·áµÇ¾î ÀλýÀÇ ¹æÇâÀ» 'º¸Çè'À¸·Î ¼³Á¤ÇÏ°í º¸ÇèÇÐÀ» °øºÎÇϱ⠽ÃÀÛÇß´Ù. ¼ÕÇØ»çÁ¤»ç ½ÃÇè¿¡...

¿ì¸®³ª¶ó »ý¸íº¸Çè ÆǸÅä³ÎÀÇ º¸Çèȸ»çƯ¼ºº°¡¤º¸Çè¸ðÁý¹æ¹ýº° À¯ÁöÀ²±âÁØ ÀûÇÕ¼ººÐ¼®(2016Áö¿ø°úÁ¦, À̱Ùâ, ¿À±â¼®) ³í¹®
¿ì¸®³ª¶ó »ý¸íº¸Çè ÆǸÅä³ÎÀÇ º¸Çèȸ»çƯ¼ºº°¡¤º¸Çè¸ðÁý¹æ¹ýº° À¯ÁöÀ²±âÁØ ÀûÇÕ¼ººÐ¼® - µ¶¸³Ã¤³Î°ú Àü¼Óä³ÎÀ» Áß½ÉÀ¸·Î - The Suitability of Independent and Exclusive Channels based upon the Persistency Rate in the Kore...

¸ðÈ£¼º ȸÇǼºÇâÀÌ º¸Çè ¼ö¿ë¿¡ ¹ÌÄ¡´Â ¿µÇâ : º¸Çè±Ý ºÒÈ®½Ç¼ºÀ» Áß½ÉÀ¸·Î(2017 ¿¬±¸Áö¿ø, ¼®½ÂÈÆ, È«Áö¹Î) ³í¹®
¸ðÈ£¼º ȸÇǼºÇâÀÌ º¸Çè ¼ö¿ä¿¡ ¹ÌÄ¡´Â ¿µÇâ : º¸Çè±Ý ºÒÈ®½Ç¼ºÀ» Áß½ÉÀ¸·Î The Effects of Ambiguity Aversion on Insurance Demand: Focusing on Indemnity Uncertainty   ¼®½ÂÈÆ(¼­¿ï´ëÇб³ °æ¿µ´ëÇÐ ±³¼ö), È«Áö¹Î...

º¸Çè»ç±â Àû¹ßÀ» À§ÇÑ º¸Çèȸ»çÀÇ ¿µ»óÃÔ¿µ Çã¿ë¿¡ °üÇÑ ¹ýÀû ¹®Á¦(ÀüÇÑ´ö, 2019¿¬±¸Áö¿ø) ³í¹®
º¸Çè»ç±â Àû¹ßÀ» À§ÇÑ º¸Çèȸ»çÀÇ ¿µ»óÃÔ¿µ Çã¿ë¿¡ °üÇÑ ¹ýÀû ¹®Á¦  ÀüÁÖ´ëÇб³ ±ÝÀ¶º¸ÇèÇаú ±³¼ö, ¹ýÇйڻç ÀüÇÑ´ö     <±¹¹®ÃÊ·Ï> º¸Çè»ç±â´Â º¸Çè¼ÒºñÀÚ°¡ º¸Çè±Ý ÆíÃ븦 ¸ñÀûÀ¸·Î ½ÇÁ¦ ¹ß»ýÇÑ º¸Çè»ç°íº¸...

Volatility clustering in data breach counts(2019 Áö¿ø³í¹®, ½ÉÇö¿ì, ÃÖ¾çÈ£, ±èâ±â) ³í¹®
Volatility clustering in data breach counts   Hyunoo Shim, Changki Kim, Yang Ho Choi Department of Actuarial Science, Hanyang University, Korea; Korea University Business School, Korea University, Korea   ...

ÅðÁ÷¿¬±Ý»ç¾÷ÀÚÀÇ ÆÝµå ¶óÀξ÷ ÇàÅ ºÐ¼®: °è¿­¿î¿ë»ç ¿©ºÎ¸¦ Áß½ÉÀ¸·Î(2018 ¿¬±¸³í¹®, ±èÀçÇö) ³í¹®
ÅðÁ÷¿¬±Ý»ç¾÷ÀÚÀÇ ÆÝµå ¶óÀξ÷ ÇàÅ ºÐ¼®: °è¿­¿î¿ë»ç ¿©ºÎ¸¦ Áß½ÉÀ¸·Î Fund Line-up Behavior of Retirement Pension Service Providers: Focused on Affiliated Funds   ±èÀçÇö(Jaehyun Kim) »ó¸í´ëÇб³ ±ÝÀ¶º¸ÇèÇкΠ¸®½º...

°è¾àÀü ¹ßº´ ºÎ´ãº¸Á¶Ç×ÀÇ À¯¡¤¹«È¿¿¡ °üÇÑ ¿¬±¸(2018 ¿¬±¸³í¹®, ±è¼±Á¤) ³í¹®
°è¾àÀü ¹ßº´ ºÎ´ãº¸Á¶Ç×ÀÇ À¯¡¤¹«È¿¿¡ °üÇÑ ¿¬±¸ A Study on the Invalidity of the Pre-existing Condition Exclusion Clause   ±è¼±Á¤(Sun-Jeong Kim) µ¿±¹´ëÇб³ ¹ýÇаú ±³¼ö      <±¹¹®ÃÊ·Ï> Áúº´ ...

±³È¯¿É¼Ç°¡°Ý°áÁ¤¸ðÇü¿¡ ±Ù°ÅÇÑ ¿¹±Ýº¸Çè·á ÇÕ¸®È­ ¹æ¾È¿¡ °üÇÑ ¿¬±¸: »ý¸íº¸Çè¾÷À» Áß½ÉÀ¸·Î(2018 ¿¬±¸³í¹®, ¼ºÁÖÈ£) ³í¹®
±³È¯¿É¼Ç°¡°Ý°áÁ¤¸ðÇü¿¡ ±Ù°ÅÇÑ ¿¹±Ýº¸Çè·á ÇÕ¸®È­ ¹æ¾È¿¡ °üÇÑ ¿¬±¸: »ý¸íº¸Çè¾÷À» Áß½ÉÀ¸·Î Exchange Option Pricing Approach to Deposit Insurance Premium for Korean Life Insurance*   ¼ºÁÖÈ£(Jooho Sung) °æÈñ´ëÇб³ °æ¿µ...

ÅðÁ÷¿¬±Ý¿î¿ë»ó ¼öŹÀÚÃ¥ÀÓÁ¦µµÀÇ ¹ýÀû °³¼±¹æ¾È (2011 Áö¿ø³í¹®, ¸Í¼ö¼®) ³í¹®
ÅðÁ÷¿¬±Ý¿î¿ë»ó ¼öŹÀÚÃ¥ÀÓÁ¦µµÀÇ ¹ýÀû °³¼±¹æ¾È    ¸Í¼ö¼® Ãæ³²´ëÇб³ ¹ýÇÐÀü¹®´ëÇпø ±³¼ö   [±¹¹®ÃÊ·Ï]    Á¤ºÎ´Â 2005³â ±Ù·ÎÀÚÅðÁ÷±Þ¿©º¸Àå¹ýÀ» Á¦Á¤ÇÏ¿© ÅðÁ÷±ÝÁ¦µµ ´ë½Å ÅðÁ÷¿¬±ÝÁ¦µµ¸¦ ´Ü°èÀûÀ¸·Î...

È®Á¤±â¿©Çü ÅðÁ÷¿¬±Ý °¡ÀÔÀÚÀÇ ÅõÀÚ¼º°ú¿¡ ´ëÇÑ »ç·Ê¿¬±¸(2016 Áö¿ø³í¹®, ÀÌ°æÈñ) ³í¹®
È®Á¤±â¿©Çü ÅðÁ÷¿¬±Ý °¡ÀÔÀÚÀÇ ÅõÀÚ¼º°ú¿¡ ´ëÇÑ »ç·Ê¿¬±¸ ÀÌ°æÈñ(»ó¸í´ëÇб³ º¸Çè°æ¿µÇаú Á¶±³¼ö, Á¦1ÀúÀÚ), ±èÇý¼º(KB¼ÕÇغ¸Çè »ó¹«(±³½ÅÀúÀÚ)   º» ¿¬±¸¿¡¼­´Â È®Á¤±â¿©Çü ÅðÁ÷¿¬±ÝÁ¦µµ¸¦ µµÀÔÇÑ 1°³ »ç¾÷ÀåÀ» ´ë»óÀ¸·Î ...

±¹¹Î¿¬±Ý¼Òµæ´ëüÀ² ºÐ¼®°ú Á¤Ã¥Àû ÀÇÀÇ (2014 ¿¬±¸³í¹®, ±èµ¿ÈÆ, ±ÇÇü±¸) ³í¹®
±¹¹Î¿¬±Ý¼Òµæ´ëüÀ² ºÐ¼®°ú Á¤Ã¥Àû ÀÇÀÇ (An Analysis of National Pension Replacement Rate and Politic Significance)   ±èµ¿ÈÆ (Á¦1ÀúÀÚ, ±¹¹Î´ëÇб³ °æ¿µ´ëÇÐ ±³¼ö) ±ÇÇü±¸ (±³½ÅÀúÀÚ, °æ¿µÇйڻç, ±¹¹Î´ëÇб³ °æ¿µ´ë...

¼ÒºñÀÚ Áß½ÉÀÇ º¸Ç踶ÄÉÆà (2011 Áö¿øÀú¼­, Á¤È«ÁÖ) Àú¼­
¡ã  ¼ÒºñÀÚ Áß½ÉÀÇ º¸Ç踶ÄÉÆà å¼Ò°³ ÀÌ Ã¥Àº º¸Ç踶ÄÉÆÃÀ» ´Ù·é °³·Ð¼­ÀÔ´Ï´Ù. º¸Ç踶ÄÉÆÃÀÇ ±âÃÊÀûÀÌ°í Àü¹ÝÀûÀÎ ³»¿ëÀ» ÇнÀÇÒ ¼ö ÀÖµµ·Ï ±¸¼ºÇß½À´Ï´Ù.              ...