被保险人的知情权初探

On the "Right to Know" of the Insurant

我国保险法对被保险人权利义务的规定笼统而原则,对于人身保险合同中投保人与被保险人不为同一人时后者的知情权更是只字未提。从"黄梅根一案"的发生,引发我们对被保险人知情权的关注。保护被保险人知情权有其合理的法理基础和现实基础,同时,知情权的实现还必须具备一定的条件,并且应当由投保人承担发送保险合同变更通知的义务。

<Abstrcat> The insurance law of China is fairly general in the provision of the insrant's right and obligation, and, especially, it has not prescribed whether the insurant has the right to know the modifications of the insurance contract when the insurant and the policy-holder are not the same person. From the case of Huang Mei-gen, this paper discusses the legal and the practical base of the right and draws attention to the interest of the insurant, and it also suggests that the realization of the right to know asks for some qualifications and the policy-holder is obligated to notify the insurant about the modifications of the insurance contract.