被保险人危险增加通知义务的性质研究  

Study on the Nature of the Obligation of Notification of Increased Risk of the Insure

作　　者：孙博[1] Sun Bo

机构地区：[1]黑龙江大学,黑龙江哈尔滨150080

出　　处：《保险职业学院学报》2023年第2期82-87,共6页Journal of Insurance Professional College

基　　金：黑龙江大学研究生创新科研项目(YJSCX2022-109HLJU)。

摘　　要：关于危险增加通知义务的性质长期以来存在争论,并构成了对危险增加通知义务进行深入研究与实践适用的理论障碍。关于危险增加通知义务性质的学说,包括危险增加通知义务约定说和危险增加通知义务法定说。危险增加通知义务约定说存在论域偏差以及对法律的解释方法错误。危险增加通知义务法定说尊重了保险合同的契约性本质,并契合《保险法》的自身价值追求,体现了《保险法》的价值底蕴,因此对危险增加通知义务的性质应当采纳危险增加通知义务法定说的观点。There has been a long-standing debate about the nature of the obligation to notify increase in danger,which constitutes a theoretical obstacle to in-depth research and practical application of the obligation to notify increase in danger.The theories on the nature of the obligation to notify of increased danger include the contractual theory of the obligation to notify of increased danger and the statutory theory of the obligation to notify of increased danger.The doctrine of the obligation to notify increases in danger has a deviation in its scope and a wrong interpretation of the law.The statutory doctrine of the obligation to notify of increased risk respects the contractual nature of insurance contracts,and conforms to the pursuit of the value of the Insurance Law itself,reflecting the value implications of the Insurance Law.Therefore,the nature of the obligation to notify increase in danger should adopt the legal view of the obligation to notify increase in danger.

关 键 词：危险增加通知义务 保险合同 对价平衡 诚实信用 

分 类 号：D922.284[政治法律—经济法学]