论被保险人危险增加通知义务的履行——基于对义务立法目的考察的视角  

Performance of Duty to Disclose Increased Risk to Insurant:A Perspective of Investigation of Purpose of Obligation Legislation

作　　者：孙博 SUN Bo(School of Law,Heilongjiang University,Harbin 150080,China)

机构地区：[1]黑龙江大学法学院,黑龙江哈尔滨150080

出　　处：《辽东学院学报（社会科学版）》2023年第5期41-49,共9页Journal of Liaodong University：Social Science Edition

基　　金：黑龙江大学研究生创新科研项目“被保险人危险增加通知义务履行研究”(YJSCX2022-109HLJU)。

摘　　要：为破除被保险人危险增加通知义务的履行困境,在文义解释与体系解释均面临失灵的状态下,运用目的解释方法尤为重要。基于危险增加通知义务维护保险关系对价平衡以及倾斜保护被保险人利益的立法目的,可以寻觅到对前述困境的解决进路,即履行主体应当扩张至投保人、履行时限是自危险增加时起至保险事故发生时止的一整段时间、履行语境仅限于财产保险合同。In order to fulfill the obligation of disclosing the increased risk to the insured,it is particularly important to use the teleological interpretation method under the condition that both the literal interpretation and the systemic interpretation are facing failure.Based on the legislative purpose of disclosing the increased risk to the insured that maintains the consideration balance of the insurance relationship and protects the interests of the insured,we can find a way to solve the above disputes,that is,when the performance subject expands to the insured,the performance time limit is the whole period from the time when the risk increases to the time when the insurance accident occurs,and the performance context is limited to the property insurance contract.

关 键 词：危险增加通知义务 对价平衡 被保险人义务 保险合同 

分 类 号：D922.284[政治法律—经济法学]