保险合同法定解除权的要素考察

Research on the Legal Right of Cancellation of Insurance Contract

作为一种授权性规范,保险合同法定解除权不仅是一种形成权,而且是保险人的抗辩权;作为一种利益失衡的矫正方式,保险合同法定解除权既是保险人的权利,又是对保险人的权利限制。从立法的指导思想看,保险合同法定解除权在投保方与保险方之间的"倾斜性"配置原则体现了对保险合同当事人利益平衡的理念。在行使规则方面,我国保险立法应当在解除权的行使相对人、行使方式、行使期间上予以细化。

As an authorizing norm, the legal right of cancellation of insurance contract is not only a right of formation, but also the insurers＇rlght to defense. As a corrective way of interest unbalancing, it is not only the insurers＇right, but also tl^e restrict of insurers＇right. Reviewing the legal right of cancellation from the guidance of legislation, it reflects the interest balance of insurers. Our insurance law should detail some exercising rules of the legal right of cancellation.