保险合同部分无效的类型化考察

A Study on the Types of Partly Invalidness of Insurance Contract

保险合同部分无效是指保险合同的内容仅有一部分无效,其他部分仍然有效。对于保险合同有效部分,双方当事人应按其约定继续履行。免责条款中存在违反等价平衡理念,违反强行法或具有强行性的任意法规范而部分无效。非寿险与寿险中均存在部分无效之可能。保险条款中符合保险合同部分无效规则者,则有权裁判机关应宣告此条款部分无效,保险合同其他部分仍有效。在保险合同部分无效场合,应视当事人之过错及其过错对导致保险合同部分无效的原因力来分配法律上不利后果。

The portion of the insurance contract to be of noeffect refers to part of the insurance contract is invalid while the other portion hold good.The two parties of the insurance contract should perform the part which is invalid according to the content of the insurance contract. Exemption clauses,which violate the notion of equivalence and equilibrium or violate forced law or have forced arbitrary law norms,are partly invalid,and both life insurance or non-life insurance could be partly invalid.For the insurance clauses that are partly invalid,authorized arbitration institution shall declare the invalidity of this part,while the other part remains valid. Under the situation of partly invalid insurance contract,the parties should be charged with the disadvantage consequence in accordance with both of the praties' fault which results in void effect of the insurance contract.