我国保险法告知义务“全有全无模式”之批判与制度改革选择  

Criticism for “All-or-Nothing-Principle” in Disclosure Obligations of Insurance Law——A Study on Design of Rules of Breach of Disclosure Obligations in Insurance Law

作　　者：王家骏[1] 

机构地区：[1]上海交通大学凯原法学院,上海200030

出　　处：《法律科学（西北政法大学学报）》2018年第1期140-149,共10页Science of Law：Journal of Northwest University of Political Science and Law

基　　金：国家社科基金重点项目(14AFX019)"我国机动车三责险改革问题研究"

摘　　要：从法史学和保险学的角度分析,可以发现我国保险法违反告知义务制度效果上所采取的"全有全无模式"属于早期保险经营技术与保险法理论落后的产物,该模式忽视了危险评估与保险费间渐进式的计算方式,使投保方承担了不合理的不利后果,为保险人不当获利留下了空间,其负面效果日渐凸显。虽然晚近以来该模式经历了主客观两方面的局部修正以平衡保险合同各方当事人的利益,但在效果上仍无法同对价平衡原则相契合,难以从根本上改变"全有全无模式"的固有缺陷。在未来的改革上,《保险法》应当弃用"全有全无模式",改而采用与对价平衡原则更为契合的"对应调整模式"。Through the method of history and insurance can find that, All - or - Nothing - Principle, which be used in disclosure obligations of Insurance Law of PRC, is the consequences of the early insurance management technology and the theory before the arise of insurance law, The principle ignores the incremental calculation between risk assessment and the insurance premium, making insureds bear the unjust adverse consequences and leaving the of space unjust enrichment tot the underwriter, 3＂he problems in today~ society is increasingly apparent. For the balance of the insurance contract party stalus, recently the correction of the model through the two aspects of subjective and objective. But it ~ still can t corre- sponds to the theory, of consideration and cannot fundamentally change the inherent defects. The Principle should be aban- doned in Insurance Law of PRC. Proportionality should be used in the future reform, which is more in line with the theory of consideration.

关 键 词：告知义务 全有全无模式 对价平衡原则 对应调整模式 

分 类 号：DF438.4[政治法律—经济法学]