论作为保险人法定免责事由的故意犯罪认定立场

Discussion about the deliberate crime cognizance in the legal disclaimer subject as an insurer

被保险人故意犯罪作为保险人的法定免责事由,其立法根据在于防止道德风险、维护社会公共秩序和善良风俗、避免保险制度被滥用。对作为保险人免责事由的故意犯罪认定与刑法保持一致之立场,既符合保险法与刑法各自的功能与立法目的,不违背保险法把被保险人故意犯罪作为保险人法定免责事由的立法根据,也是由保险法免责要件规范的不明确性决定的,同时也符合保险合同疑义利益解释规则的基本原理。

The insurant shall indemnify the insured crime as a statutory basis,its legislation on exemption is to avoid moral hazard,the maintenance of social public order and customs,to avoid abuse of the insurance system.To their insurers.as a sort of crime and criminal law to be consistent with the position,and insurance laws and criminal law of their respective functions and the legislature,not against the insured depends on the crime as an official exempted under their legislation,are also the exempted elements of the code depends of certainty the decision,but also consistent with the insurance contract interpretation rules take the interests of the basic principle.