chapter 3 part 1 tamil insurance

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  • 7/24/2019 Chapter 3 Part 1 Tamil Insurance

    1/21

    3

    1:

    2:

    3

    1

    )

    3.1, 3.2

    ) (Insurable interest) 3.3

    ) (Utmost good faith)

    3.4

    ) (Material facts) 3.5, 3.6

    ) (Indemnity) 3.7

    -

    , :

    ;

    ;

    ;

    ;

    ;

    ;

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    .

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    :

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    , ,

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    ?

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    1)

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    (

    )

    .

    1 ) Offer and acceptance)

    .

    . :

    : '

    . ----- .'

    , ( ): ' '.

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    1 ) Consideration)

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    1 )

    .

    :

    ( 18) ;

    ;

    , (18 )

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    .

    1 )

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    1 ) Capability of performance)

    . ,

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    ( term) , ,

    .

    ...

    . 75

    (Proposal) . .12,000

    . ,

    ,

    . , . 12,000

    . 15,000 .

    (Offer and acceptance)

    ?

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    3.1

    ?

    2 ) Policy document)

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    (Principal) ( ) . ,

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    , 1 (Composite brokers)

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    ( ).

    .

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    ) Insurable interest)

    .

    1) ?

    :

    ( ) 30 .

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    , ,

    . .

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    :

    1: .

    2: .

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    1: .

    . ,

    (Health Insurance)

    .

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    .

    2: , .

    , .

    , .

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    ...

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    .

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    2 ) Relevance of insurable interest)

    ,

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    :

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    3 )

    .

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    , , .

    : , ,

    .

    3.2

    .

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    :

    : ,

    .

    . 10,000 ,

    .

    , ,

    . ,

    .10,000 .

    Surety) :

    .

    - :

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    :

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    . Partners) :

    .

    ,

    ( ). , .

    .

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    .

    ( Marine Insurance) ,

    .

    )

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    1)

    :

    20 .50 (Term insurance)

    .

    .

    ( )

    .

    . .

    ,

    .

    , ,

    .

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    ,

    , .

    , .

    ,

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    , '

    ' ( Cavet emptor) .

    . ,

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    2 )

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    .

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    . .

    .

    3 )

    ,

    ;

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    /

    .

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    , ,

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    . ,

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    .

    ) Material facts)

    1)

    :

    ' ,

    '

    . ,

    ( Underwriter) , :

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    ;

    , ( )

    .

    ,

    . ,

    , .

    .

    .

    2 )

    ,

    .

    . ( ),

    . ,

    ( )

    , ,

    .

    3 ) 45 Underwriter) (Indisputability clause section 45)

    45 ,

    ,

    , .

    .

    . ,

    ,

    . ' ' (Indisputability clause)

    .

    4 ) :

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    , , ,

    .

    ( lapsed policy) , ,

    , .

    (revival)

    2 .

    1: 30

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    2: 35 ( ),

    .

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    , 6

    , ,

    .

    ) Indemnity)

    :

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    '

    '.

    , ,

    .

    .2,00000 ( Sum assured) .

    . .40,000 . , . 40,000

    .

    ,

    . .

    . 1,00,000 .

    .1,00,000 .

    , .25,000 . ,

    , .25,000 .

    .25,000 .

    .

    : , ,

    .

    .

    1)

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    ,

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    .

    10 .1,00,000 .

    .10,000. .

    .1,00,000 (

    ) .

    .

    ' ' ( Value contracts)

    .

    , ,

    .

    ,

    ;

    :

    .15,00,000

    .10,00,000

    . ,

    .

    ,

    .25,00,000 ( .15,00,000 + .10,00,000) .

    .

    ,

    .

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    (Minors) ,

    .

    ,

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    .

    , - , -

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    ,

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    .

    ' ' ' ,

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    ;

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    ' ,

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    ,

    (Knowledge) .

    ,

    .

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    3.1 :

    .

    .

    .

    .

    .

    3.2 :

    ;

    ;

    ;

    .

    -

    1.

    .

    2. ?

    -

    1. ' ' :

    ' ,

    ,

    . '

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    .

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    , ,

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    .

    2. :

    '

    '. , ,

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