两岸投保人告知义务的比较研究

发布时间：2018-10-09 21:36

【摘要】：生活之中之意外有时不可避免,但是对于意外之补偿是人们可以选择的。随着人们生活水平的大幅度提高,面对未知的风险和意外,购买保险成为人们青睐的规避与分散风险的手段。虽然保险可以对财产的损失进行填补,可以对人身意外造成的伤害进行付给,但是遇到意外发生,保险人能否精准的预估保险标的之风险与投保人的如实告知是密不可分的,因此如实告知义务出现在了保险法中,如实告知义务作为保险行业操作运行之基础,架起了保险人和投保人之间沟通必经之桥梁。保险业的蒸蒸日上,带来经济发展前景的同时,问题也应运而生,笔者在我国台湾地区求学期间,重点关注了我国台湾地区的保险法,发现了由于政治文化背景的差异两岸保险立法也有很多的差异。目前,我国大陆和我国台湾地区的保险业都有了突飞猛进的发展,随之凸显的问题给立法者带来了困扰,笔者从两岸保险法投保人告知义务差异的角度切入,比较两岸保险法中对投保人告知义务的相关法律规定,对其差异之处进行分析,以期借鉴我国台湾地区保险法律中的行之有效的制度设计,完善我国大陆《中华人民共和国保险法》(以下简称《保险法》)中对投保人告知义务的相关法律规定。笔者在阐明研究的理论与现实意义基础上,对两岸保险法中的投保人告知义进行了比较,分析了投保人如实告知义务的构成要件,指出了违反投保人告知义务的法律后果。建议从投保人如实告知义务的主体,履行期间,履行方式几个方面做出调整,进而完善我国大陆保险法中关于投保人告知义务的相关法律规定,并对我国大陆保险法的发展进路提出了笔者的期许。
[Abstract]:Accidents in life are sometimes inevitable, but compensation for accidents is optional. With the great improvement of people's living standard, in the face of unknown risks and accidents, buying insurance becomes a popular means to avoid and disperse risks. Although the insurance can compensate for the loss of property and pay for the injury caused by personal accident, but in the event of an accident, whether the insurer can accurately estimate the risk of the subject matter insured is inextricably linked to the truthful notification of the insured. Therefore, the obligation to inform truthfully appears in the insurance law. As the basis of the operation and operation of the insurance industry, the obligation to inform truthfully builds a bridge between the insurer and the policyholder. The prosperity of the insurance industry has brought the prospect of economic development, and at the same time, problems have emerged. During my study in Taiwan, the author focused on the insurance law in Taiwan. Because of the difference of political and cultural background, there are many differences in the legislation of cross-straits insurance. At present, the insurance industry in mainland China and Taiwan region has developed by leaps and bounds, and the problems that have become prominent have brought trouble to the legislator. The author cuts into the difference in the insurance policy holder's obligation to inform between the two sides of the Taiwan Strait. In order to draw lessons from the effective system design of insurance law in Taiwan area, this paper compares the relevant laws and regulations of the policy holder's obligation of informing in the insurance law of both sides of the Taiwan Strait, and analyzes the differences between them. Perfecting the relevant legal provisions of the insurance law of the people's Republic of China (hereinafter referred to as "Insurance Law"). On the basis of expounding the theoretical and practical significance of the study, the author compares the policy holder's informing meaning in the insurance law of both sides of the strait, analyzes the constitutive elements of the policyholder's obligation to inform truthfully, and points out the legal consequences of violating the policy holder's obligation to inform. It is suggested that some adjustments should be made from the subject of the policyholder's truthful obligation to inform the applicant, and during the period of performance, in order to improve the relevant legal provisions of the insurance law of mainland China concerning the obligation of informing the policyholder. And put forward the author's expectation for the development of insurance law in mainland China.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.284

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