保险法最大诚信原则之审思

Examining the Utmost Good Faith Principle of Insurance Law

最大诚信原则为保险法基本原则之一,此观点几近为国内保险法学界通说,其存在理由包括保险合同的高度信息不对称性、射幸性、格式性等诸多理论,但相关理论均不足以作为解释其存在的依据。从最大诚信原则的核心规则来看,无论是告知义务、说明义务、还是弃权与禁止反言,亦不足以支撑其存在。最大诚信原则之称谓在理论与实践层面均具有巨大潜在危害性,应以诚信原则取代之。

The utmost good faith is the fundamental principle of the insurance law. But neither its relevant basis theories,such as the high information asymmetry and other characters of the insurance contract,nor its core rules like the duty to discloure,could explain its being. Considering its potential negative effect in theory and practice,the utmost good faith principle should be replaced by the good faith principle.