摘要
保险法上的如实告知义务乃最大诚信原则之具体表现,作为订立保险合同的基础,对整个保险流程起决定性作用。要根治保险理赔难这一顽瘴痼疾,需要完善如实告知义务制度。运用法经济学中的囚徒困境和成本效益论分析现实如实告知义务制度,发现其存在主体限缩论与主体扩张论的选择难题、概括性询问条款效力的博弈困境和投保人隐瞒病情引发的选择困境。因此,需要优化主体限缩论、完善公平原则的适用以及改进保险领域的欺诈制度。
The obligation of truthful disclosure under the Insurance Law is a concrete manifestation of the principle of utmost good faith.It serves as the basis for the conclusion of an insurance contract and plays a decisive role in the entire insurance process.To eradicate the persistent problem of difficulties in insurance claims,it is necessary to improve the system of the obligation of truthful disclosure.Using the prisoner’s dilemma and cost-benefit theory in law and economics,this paper analyzes the realistic system of the obligation of truthful disclosure,and finds that there is a choice dilemma between subject limitation theory and subject expansion theory,the game dilemma of the effectiveness of the general inquiry clause and the choice dilemma caused by the policyholder’s concealment of illness.Therefore,it is necessary to optimize the subject limitation theory,improve the application of the fairness principle,and improve the fraud system in the insurance field.
作者
曾栈彬
ZENG Zhan-bin(College of Law,Beijing Institute of Technology,Beijing,100081)
出处
《韩山师范学院学报》
2022年第2期89-96,共8页
Journal of Hanshan Normal University
关键词
如实告知义务
投保人
保险人
obligation of truthful disclosure
policyholder
insurer
