摘要
新《保险法》第19条的法理基础源于格式条款的内容控制原则,内容上对我国《合同法》和台湾地区"保险法"有关规定有所借鉴。其立法意旨是依据诚实信用和公平正义原则,对不利于被保险人的不公平条款进行规制。保险条款效力认定,包括合法性判断和合理性判断。合法性判断要着重分析保险条款免除的义务或排除的权利所指向之法律规定为任意性规范的情形;合理性判断重在具体情形下的利益平衡。鉴于现阶段保险条款存在较多公平性问题,第19条的规范意义非常重大;为避免矫枉过正,其适用应当科学审慎,尤其要尊重保险合同特性,合理运用司法裁量。
The of Article 19 of the new Insurance Law legal basis is the control principle and structured provisions, and the content of this article borrowed from relevant provisions of China＇s Contract Law and the Insurance Law of Taiwan. The purpose of this Article is to restrict clauses unfair to the insured according to the principles of utmost faith and fairness and justice. The effectiveness recognition of insurance clauses includes legality judgment and rationality judgment. The legality judgment concentrates on analysis of the situations where excluded obligations and exemptions are classified as voluntary regnlarization legally. Article 19 of the new Insurance Law is of great significance. To avoid overcorrection, we should carefully scrutinize its application, in particular, we should pay due respect to the uniqueness of insurance contracts and properly apply legal judgment.
出处
《保险研究》
CSSCI
北大核心
2009年第6期7-12,共6页
Insurance Studies
关键词
格式条款
内容控制
相对强制规定
合理司法裁量
structured clause
content control
relatively mandatory provisions
properly applying legal judgment
