论我国保险法基本原则的立法完善——由一起死亡保险合同纠纷所引发的思考  

Perfecting the Basic Principles of China's Insurance Law

作　　者：詹昊[1] 

机构地区：[1]北京大学法学院,北京100871

出　　处：《当代法学》2007年第3期145-149,共5页Contemporary Law Review

摘　　要：保险人与投保人订立以死亡为给付条件的人身保险合同之时,未要求被保险人书面确认,被保险人死亡后,保险人又以被保险人未履行确认手续,合同无效为由拒赔。若判令合同无效,则支持了保险人违反最大诚信原则的行为;若判令合同有效,则与法律规范冲突。本文从一起保险案例着手,分析了保险法两大基本原则-最大诚信原则和保险利益原则,同时结合外国的先进立法例,提出了完善我国现行保险立法关于两原则规定的建议。A case is on an insurance contract is done without written confirmation on a person payable at the death of the insured. When the insured is dead, and the insurer refuse to pay saying there has not established a valid contract. If the court judged the contract to be void, it means the activity of the insurer against the principle of utmost bona tides is supported; if the contract is deemed to be valid, the judgment would be against the law. Based on such a case, this article analyzed the principles of utmost bona tides and insurance interest by reference to practices of other countries, makes suggestions on the perfection of the two basic principles China ＇s insurance law.

关 键 词：保险法 最大诚信 保险利益 完善 

分 类 号：D922.284[政治法律—经济法学]