论保险人解除权的行使限制——以《保险法》第16条第3款的解释为视角  

On the Restriction of the Insurer's Right to Rescind——From the Perspective of the Interpretation of Article 16 Paragraph 3 of the Insurance Law

作　　者：严明敏 YAN Ming-min(School of Law,Zhongnan University of Economics and Law,Wuhan,Hubei 430073,China)

机构地区：[1]中南财经政法大学法学院,湖北武汉430073

出　　处：《河北广播电视大学学报》2019年第1期60-65,共6页Journal of Hebei Radio & TV University

摘　　要：投保人的如实告知义务与保险人的解除权均受到最大诚信原则、对价平衡原则的检视。不可抗辩条款的价值基础和规范目的在于防止保险人滥用解除权损害投保人及被保险人权益。因而在合同订立过程中及之后二年内,保险人应当主动开展核保调查,否则应承担合同订立超过二年或知道解除权超过30日解除权消灭的不利后果。如果投保人在订立保险合同时违背如实告知义务,不论是否存在欺诈情形,不论保险事故是否发生于合同订立之日起二年内,均应严格按照《保险法》第16条第3款的文义解释。The insured’s obligation of truthful disclosure and the insurer’s right to rescind are subject to the principle of utmost good faith as well as consideration balance.The value basis and normative purpose of the non-defense clause is to prevent the insurer from abusing the right to rescind which will cause damage to the insured.Therefore,during the contracting process and within two years after the contract is concluded,the insurer should take the initiative to carry out the underwriting investigation.Otherwise,the insurer should bear the adverse consequences of the contract,if the contract is concluded for more than two years or knowing the right of rescission is eliminated over 30 days.If the insured enters into an insurance contract and breaches the obligation of truthful disclosure,whether or not there is a fraudulent situation,whether or not an insured event occurs within two years from the date of conclusion of the contract,it shall be interpreted in strict accordance with the text of paragraph 3 of Article 16 of the Insurance Law.

关 键 词：如实告知义务 保险人解除权 不可抗辩条款 合同撤销权 

分 类 号：D922.284[政治法律—经济法学]