保险侵权欺诈的识别与私法规制——以《保险法》第27条为中心

发布时间：2018-01-29 11:58

本文关键词： 《保险法》保险欺诈侵权欺诈识别私法规制　出处：《中南大学学报(社会科学版)》2015年03期 　论文类型：期刊论文

【摘要】：我国《保险法》第27条的侵权欺诈比第16条的法律行为欺诈对保险人威胁更大。侵权欺诈行为人主观上应限于"直接故意",客观上须实施了虚构、制造保险事故,虚构事故原因或夸大损失的行为。但虚构保险标的、隐瞒抗辩事由、使用欺诈性工具不在其列。在规制措施上,应将虚构事故原因和夸大损失与虚构、制造保险事故做相同处理,允许保险人免除责任,确定解除权的行使不具有溯及力,但对欺诈行为实施后,解除权行使前提起的索赔,保险人得免除责任。当被保险人、受益人为多人时,个别人的欺诈原则上不影响他人的权利。
[Abstract]:The tort fraud in Article 27 of the Insurance Law of China is more threatening to the insurer than the legal fraud in Article 16. The perpetrator of tort fraud should be limited to "direct intention" subjectively, and must be fictitious objectively. Make insurance accident, fictitious accident cause or exaggerate the loss. But the fictitious insurance object, concealing the defense reason, using the fraudulent instrument are not listed in the regulation measure. The reason of fictitious accident and exaggeration of loss should be treated the same as that of making insurance accident, allowing the insurer to be exempted from liability, and determining that the exercise of the right of rescission has no retroactive effect, but after the implementation of the fraudulent act. Claims filed before the exercise of the right of rescission may be exempted from liability by the insurer. When the insured and the beneficiary are more than one person, the fraud of an individual does not, in principle, affect the rights of others.
【作者单位】：西北政法大学民商法学院;
【基金】：司法部国家法治与法学理论项目“保险合同法结构性变革与制度创新”(13SFB3028)
【分类号】：D922.284
【正文快照】： 保险欺诈是指投保人、被保险人、受益人基于不正当目的,利用保险合同谋取利益的活动。保险业者常将之分为合同缔结时的投保欺诈与合同成立后的索赔欺诈。法学学者更关注前者,对后者则缺乏认知,似乎其对保险营业影响不大,但事实远非如此。有数据显示,近年来索赔欺诈不断增加,严

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