保险合同法定解除的法律效果分析

Analysis on the Legal Effect of Statutory Dissolution of Insurance Contract

在结构——功能论的分析框架下,保险合同法定解除的效果应当以矫正投保方违约或者客观情事变化所破坏的平衡为指导,去除投保方多获取的利益,对保险人的合理利益受损提供救济。溯及力有无的确定是保险合同法定解除效果的关键。保险合同的类型、保险当事人利益的维护、投保方过错的可归责性以及过错程度是对我国保险合同法定解除溯及力进行类型化构建的判断因素。

Under the analytical framework of structure functionalism, the effect of statutory dissolution of insurance contract should be instructed by the balance which is breached by default of insurance holder or change of circumstances, eliminate the extra benefit of insurance holder and provide support for insurer＇s legitimate interest loss. The confirming of presence or absence of retroactive effect is the crux of the effect of statutory dissolution of insurance contract. The category of insurance contract, the interest protection of insurance contract party, the extent of insurance holder＇s defect and its regualarity are totally determinants which typically construct the retroactive effect of statutory dissolution of insurance contract in China.