保险人"最大诚信"的三项法律制度探析

Analysis of the Three Major Legal Institutions of the Principle of "Utmost Good Faith"

"最大诚信"(utmost good faith)作为保险领域的基本原则之一,结合其所派生的具体制度,已经成为矫正信息不对称、平衡保险合同当事人利益的重要手段。建立以最大诚信原则为核心的制度体系,约束保险人行为,目前在我国具有现实意义。文章拟就其中的三项主要法律制度进行分析和探讨。

The 'utmost good faith' , one of the basic principles in the field of the insurance law, combined with the specific obligations and institutions derived from it, has become an important means to correct the information dissynmetricity and balance the interests of the parties of the insurance contracts. It is a common phenomenon in China that the insurer breaches the obligations of 'utmost good faith' , therefore it is of practical importance to establish the 'utmost good faith' legal institution to regulate the insurers. The article analyzes three major legal institutions derived from the principle of 'utmost good faith'.