保险合同的错误与处理

Errors in Insurance Contract and Their Treatment

错误,是导致效果意思与表示意思不一致的原因之一。英美法系和大陆法系国家的合同法以及《国际商事合同通则》对错误的界定及处理各不相同。在各种错误概念的基础上,针对保险合同的特殊性(附和性、射幸性和远期服务性),可以将保险合同的错误分为订立保险合同过程中的错误和保险理赔中的错误。根据我国《合同法》和《保险法》,按照保险合同的错误的分类,对错误的保险合同可相应地采用撤销、更改等处理方法。

Error is one of the reasons for the discrepancy between the intended meaning and the expressed meaning. The contract law of Anglo-American law system, the continental law system and the ＂International General Contract Rules for Commercial Affairs＂ have different definitions for errors and deal with the latter differently. Based on different concepts of errors and the particularity of insurance contract, namely, adhesion, hazardousness and long duration, we categorize insurance contract errors into two kinds, the errors in concluding the insurance contract and the errors in settlement of insurance claim. In line with the Contract Law and Insurance Law of China, errors in insurance contracts can be dealt with by revoking or alter the contract.