利他保险合同下投保人任意解除权再检视  

Re-examination of the Policyholder’s Right to Arbitrary Termination Under Altruistic Insurance Contracts

作　　者：李姗芙 LI Shanfu(School of Law,Wuhan University,Wuhan 430000,China)

机构地区：[1]武汉大学法学院,湖北武汉430000

出　　处：《邵阳学院学报（社会科学版）》2023年第5期47-52,共6页Journal of Shaoyang University:Social Science Edition

基　　金：国家社科基金重点项目“民法典实施中的国家利益保护问题研究”(20AFX016)。

摘　　要：在利他保险合同中,投保人较强的任意解除易造成被保险人或受益人的期待利益落空,与“利他”的缔约目的相悖。司法解释但书部分虽规定了被保险人或受益人享有“介入权”以维持保险合同存续的稳定性,却存在实施上的阻碍。为化解投保人与被保险人或受益人间的利益冲突,投保人行使合同解除权前应当履行通知义务,以此有效保障被保险人或受益人的知情权和介入权的及时行使。In altruistic insurance contracts,arbitrary termination by the policyholder can easily result in the expected benefits of the insured or beneficiary being frustrated,which is contrary to the purpose of the“altruistic”contract.The proviso to judicial interpretation stipulates that the insured or beneficiary has the“right of intervention”to maintain the stability of the insurance contract,but there are implementation obstacles.In order to resolve the conflict of interest between the policyholder and the insured or beneficiaries,it is a more effective and reasonable restriction for the policyholder to fulfill the obligation of notification before exercising the right to terminate the contract,in order to effectively protect the timely exercise of the insured or beneficiaries’right to be informed about it and their right to intervene in it.

关 键 词：利他保险合同 合同解除权 限制 

分 类 号：D912.284[政治法律—民商法学]