论团体保险如实告知义务之主体  

On the Subject of the Duty of Disclosure in Group Insurance

作　　者：周志[1] ZHOU Zhi

机构地区：[1]华中农业大学

出　　处：《私法》2022年第1期198-218,共21页Private Law Review

基　　金：中央高校基本科研业务费专项资金资助项目“团体保险合同法律制度研究”(2662019QD041)的阶段性成果

摘　　要：团体保险有别于个人保险,是以团体危险而非个人危险为核保重心,合同对价具有团体性,因此其如实告知的内容——重要事实应当为评估团体危险大小所需的事实与信息。基于重要事实知悉者应为如实告知义务主体,以及如实告知履行效率与可行性的考量,团体保险告知义务的主体应当被限定为投保人。同时,团体保险如实告知义务主体的范围,存在以下两个例外情形:(1)为了防范逆向选择,未在合格期间参保的被保险人应当成为如实告知义务之主体;(2)鉴于小型团体很难适用团体承保技术以及发挥团体承保在防范逆向选择与规模经济上的优势,应该在合理界定小型团体规模的基础上,允许保险人对小型团体成员进行个人核保,即确立小型团体的被保险人亦为有告知义务人之例外规则。With different from individual insurance,group insurance focuses on group risk rather than individual risk,and its contract consideration shows the group nature.Therefore,the content of disclosure—material circumstance should be the facts and information needed to evaluate the group risk.Based on the rule of the knower of material circumstance should be the subject of the duty of disclosure,and considering the efficiency and feasibility of the performance of disclosure,the subject of the duty of disclosure in group insurance should be limited to the applicant.At the same time,there are two exceptions as follows:(1)in order to prevent adverse selection,the insured who fails to participate in the group insurance during the eligibility period shall become the subject of the duty of disclosure;(2)in view of the small groups are hard to apply group underwriting technology and play the advantage of group underwriting in preventing adverse selection and realizing economies of scale,on the basis of a reasonable definition of the size of a small group,the insurer should be allowed to underwrite the members of small groups,that is to say,as an exception rule,the insured of small groups is also the subject of the duty of disclosure.

关 键 词：团体保险 如实告知义务 团体危险 小型团体 

分 类 号：D922.284[政治法律—经济法学]