论违反保险法告知义务后解除权的行使

我国现行保险法对投保人或被保险人违反告知义务,保险人解除权的行使存在一些缺陷,即投保人无过错违反告知义务时欠缺对保险人的救济,保险法将投保人没有过错的情况排除在投保人承担不利后果的范围之外。也就是说,投保人虽然没有履行告知义务,只要他主观上没有过错,保险人就得不到任何救济,这对保险人而言是极不公平的。针对这种情况,有必要赋予保险人以变更权与终止权,同时又科以不得滥用的义务,以平衡投保人与保险人的权利义务。此外,当保险人没有尽到对保险危险的必要调查义务时,保险法应明确规定在此情况下不该享有合同的解除权。

Law Result of Breaching the Duty of Disclosure

When the insured don' t comply with the duty of disclosure,there are some of defects about which the insurer exercises of the right of cancellation in current Insurance Law.When the insured violates the duty of disclose on basis of non-fault,the insurer will not get any relief,which is extremely unfair for the insurer.In view of this situation,it necessary to give the insurer the right to terminate and the right to change,at the same time,the insurer have the obligation not to abuse these rights in order to...