析借用身份证投保案中的法律问题  

作　　者：陈会平 

机构地区：[1]中国大地财产保险股份有限公司,上海200120

出　　处：《保险研究》2006年第11期80-82,共3页Insurance Studies

摘　　要：此文所涉案例中，投保人（被保险人）借用身份证为自己投保人身意外伤害保险，其行为违反了《居民身份证法》的相关规定，应当受到行政处罚，但并不会导致保险合同无效、撤销或解除，因为借用身份证并不是保险合同的实质内容，也没有影响到保险合同违反法律的规定或者影响到保险人是否承保及保险费的高低等重要事项，况且投保人已将借用身份证的事实告知了保险人的代理人，保险人不得诿为不知。综上，保险人应当依据保险合同的约定承担支付保险金的责任。The action that the applicant borrows other＇s identity card to get an accidental insurance for himself constitutes violation of the Identity Card Act, therefore should be subject to administrational penalties. But this won＇t lead to insurance policy＇s invalidation, cancellation or rescission. Borrowing identity card isn＇t a contract substantive content, doesn＇t constitute a violation of statutory provision, and is not a material fact which will has significant influence on the insurer＇s underwriting decision on whether or not raising premium. The fact that the applicant has noticed the insurer＇s agent that he used a borrowed identity card for application also prevent the insurer from claiming being unknown of this. According to the basic facts of this case, the insurer should undertake compensa-tion obligation under the policy provision.

关 键 词：诚实信用原则 保险合同生效 如实告知义务 保险代理 

分 类 号：D922.284[政治法律—经济法学]