General InsurancePDF电子书下载

Chapter 1 The Nature of Risk 1

Section 1 The Meaning of Risk 1

Section 2 The Classification of Risk 3

Section 3 Risk Management 4

Section 4 Managing Personal Risks through Insurance 8

Chapter 2 Essence of Insurance 18

Section 1 The Meaning of Insurance 18

Section 2 The Features of Insurance 18

Section 3 The Function of Insurance 20

Section 4 The Role of Insurance 21

Section 5 The Classification of Insurance 22

Chapter 3 The Principle of Insurable Interest 32

Section 1 The Meaning of Insurable Interest 32

Section 2 The Significance of Insurable Interest 33

Section 3 The Application of Insurable Interest 34

Section 4 When does Insurable Interest Begin to Exist? 36

Section 5 Common Features of Insurable Interest 37

Chapter 4 The Principle of Utmost Good Faith 47

Section 1 Meaning of Utmost Good Faith 48

Section 2 The Duty of Full Disclosure by the Insured 48

Section 3 The Duty of Full Disclosure by the Insurer 50

Section 4 Duration of the Duty of Disclosure 51

Section 5 Representations and Warranties 52

Section 6 Breach of the Doctrine of Utmost Good Faith 53

Section 7 Remedies for Breach of Utmost Good Faith 55

Chapter 5 The Principle of Proximate Cause 63

Section 1 Meaning of Proximate Cause 63

Section 2 Occurrence of Trains of Event 64

Section 3 How do We Determine the Efficient Cause? 64

Section 4 Examples of Proximate Cause 65

Section 5 Remote Causes 66

Section 6 Exclusions 68

Section 7 Indirect Causes 68

Section 8 Summary of Proximate Cause 68

Chapter 6 The Principle of Indemnity 76

Section 1 Indemnity 76

Section 2 Contribution 82

Section 3 Subrogation 84

Chapter 7 Insurance Contract 95

Section 1 Meaning of General Contract 95

Section 2 Meaning of Insurance Contract 98

Section 3 The Form of Insurance Contract 98

Section 4 The Subject and the Object of the Insurance Contract 99

Section 5 The Contents of Insurance Contract 100

Section 6 The Conclusion of Insurance Contract 101

Chapter 8 Property Insurance 109

Section 1 Meaning of Property Insurance 109

Section 2 Sum Insured in Property Insurance 109

Section 3 The Calculation of Value in Property Insurance 110

Section 4 Reinstatement 113

Section 5 Provision of Property Insurance 113

Chapter 9 Life Insurance 127

Section 1 Meaning of Life Insurance 127

Section 2 Types of Life Insurance 127

Section 3 Policy Features 129

Section 4 Annuities 131

Section 5 Permanent Health Insurance 133

Section 6 Group Policies 137

Chapter 10 Insurance Market 147

Section 1 London Insurance Market 147

Section 2 London Insurance Companies 148

Section 3 London Insurance Organizations 149

Section 4 Insurance Intermediaries 153

Section 5 Recent Changes in the London Insurance Market 155

Chapter 11 Structure of Insurance Company 164

Section 1 The Structure of Insurance Companies in China 164

Section 2 Insurance Companies in Foreign Countries 169

Section 3 Insurance Companies as Financial Institutions 170

Section 4 Types of Insurance Company Organizations 172

Section 5 Organizational Operations 173

Chapter 12 Regulation of Insurance 180

Section 1 Insurance Regulations in China 181

Section 2 Insurance Regulations in the United States 184

Section 3 Insurance Regulations in Canada 188

Appendix Vocabulary and Special Terms 199

Bibliography 226