保险人说明义务的司法审查——以《保险法司法解释二》为中心  

Judicial Review of Insurer's Explanation Obligation

作　　者：于永宁[1] 

机构地区：[1]山东大学法学院,山东济南250100

出　　处：《法学论坛》2015年第6期125-133,共9页Legal Forum

基　　金：中国法学会部级研究课题<我国金融监管协调法律机制研究>(CLS2014D062);山东省社科规划项目<区域性多层次资本市场法制建设研究>(13DFXJ03);山东大学人文社会科学重大研究项目<城乡一体化中的私法问题>(13RWZD08)的阶段性研究成果

摘　　要：保险人说明义务在司法实践中面临过度保护投保人利益的倾向。其原因主要源于保险人强势地位、立法的倾斜保护和法官的扶弱心理,并由此引发了对保险人说明义务的严苛司法审查。但从利益均衡的角度出发,也应考虑投保人可能的道德风险,兼顾保险人的效率和公平。法院司法审查应严格遵循《保险法司法解释二》对保险人提示义务和明确说明义务的要求,明晰免除责任条款适用的范围以及保险人举证责任,并通过引入合理期待原则等制度完善保险人说明义务。Because of the insurer＇ s strong position, unequal protection of legislation and judges＇ consideration of the weak, the insurer＇ s obligation faced with a tendency that is over - protect the interests of policy holders in judicial practice. And it led to harshly judicial review of the insurer＇s obligation. However we should not only consider the policy holder＇ s moral hazard from the perspective of balance of interests, but also to guarantee insurer＇ s efficiency and fairness. Court judicial review should strictly follow the tip and clearly stated obligation in the ＂Judicial Interpretation of Insurance Law Ⅱ＂. The court should clarify the scope of waiver of liability provisions and insurer＇ s evidential burden. And also judicial review should improve insurer＇ s explanation obligation through introducing the principle of legitimate expectations and other systems.

关 键 词：保险人 说明义务 司法审查 司法解释 

分 类 号：D912.284[政治法律—民商法学]