摘要
我国《保险法》经2009年修订,在保险合同法制度方面取得了较大进展,该法第16条对如实告知义务做了全面叙述,而其中第六款则被视为对禁反言原则的承认。禁反言原则是对价理论衰落的过程中产生的一项重要合同法原则。基于合理期待理论,英美保险法借鉴了合同法上的这一原则,并将其适用于保险人一方。当保险方及其代理人的行为或承诺与保险合同条款不一致时,应当对投保方的合理期待进行保护,禁止保险人以合同条款对抗投保方。禁反言原则是保险法上平衡合同双方当事人利益的一项重要规则,且其适用之情形亦有扩张之趋势。文章试图通过对禁反言原则的全面考察,厘清内涵,并就该原则的适用范围、适用原则和条件做出具体的分析,指出我国《保险法》当前对禁反言原则理解的偏差,并为我国立法之相关制度设计提供借鉴。
After 2009 renew of Chinese Insurance Law, the Act 16th was Our country＇s Insurance Law system has made a big progress after its 2009 amendment. In article 16 duty to inform is fully described and the 6th provision of that article is deemed as the accept of espotell. Espoteel was an important contractual principle during the decline of consideration doctrine. Based on the doctrine of reasonable expectation espoteel was tak- en and applied into the party of insurer by British and American insurance law. When there is a diverge be- tween insurer＇s conduct and commitment with the provisions of insurance contract we shall protect the reason- able expectation of insurer and prohibit the insurer confront the insured with insurance contract provisions. Espottel is an important rule to balance the interests of both contractual parties in insurance law, whose application has the trend of expansion. In this paper the author points out the deviation on the understanding of espoteU and provide advices on our country＇s relevant law construction through the overall examine, clarification of content and the specific analysis on scope, conditions and principals of application.
出处
《天津法学》
2012年第3期12-17,共6页
Tianjin Legal Science
关键词
禁反言
对价
合理期待
estoppel
consideration
reasonable expectation
