| 我国保险期间危险增加通知义务的法律问题探析 |
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| 引用本文： | 陈丽洪.我国保险期间危险增加通知义务的法律问题探析[J].河北科技大学学报(社会科学版),2008,8(2):45-50. |
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| 作者姓名： | 陈丽洪 |
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| 作者单位： | 黎明职业大学,福建,泉州,362000 |
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| 摘 要： | 我国《保险法》第37条对保险风险增加的通知义务规定过于简单，操作性不强。投保人或被保险人风险管理和评估能力不强，致使保险人利用该条款终止保险合同和免除赔偿责任的情况时有发生。笔者在比较他国保险法基础上，对保险期间风险增加通知义务的有关法律问题进行了探析，提出了完善建议。
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| 关 键 词： | 保险 对价平衡 危险增加 通知义务 法律效果 |
Analyzing the Legal Issues on Notification Duty of Risk Increase in Insurance Law |
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| CHEN Li-hong.Analyzing the Legal Issues on Notification Duty of Risk Increase in Insurance Law[J].Journal of Hebei University of Science and Technology,2008,8(2):45-50. |
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| Authors: | CHEN Li-hong |
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| Institution: | CHEN Li-hong (Liming Vocational University, Quanzhou 362000 ,China) |
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| Abstract: | The stipulation in the 37th Act of Insurance Law about the informative obligation of risk increase to the insurer or the insurant is too simple and impractical practical,resulting in the insurer's insufficient assessment and ineffective risk management when terminating insurance contract and exonerating from the liability for compensation.Based upon comparisons of insurance laws in China and foreign countries,this article attempts to explore the related legal issues and then offer suggestions to perfect judicial settlements |
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| Keywords: | insurance consideration and balance principle risk increase duty of notification legal effects |
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