试论重复保险合同效力

Analysis on the Efficacy of Double Insurance

保险业在当今的社会保障系统里起着不可替代的重要作用,因此,进一步健全和完善重复保险制度应该受到法学家和人们的关注。中国应当采取区分主义的立法模式,把重复保险区分为善意重复保险和恶意重复保险两种类型,其中恶意重复保险只具有部分法律效力。对于善意的重复保险,保险人与投保人承担连带责任;对于恶意重复保险行为,建议采取部分无效说。这样不但能兼顾整个市场整体的利益,而且更适合市场经济的发展趋势。

The insurance industry is a very significant component in the social security system, which we should pay our at- tention to improve and perfect the goodwill double insurance. China should take distinguish legislative model, take apart the double insurance in the goodwill double insurance and malicious double insurance two kinds of types, tile malicious double insurance only has a part of legal effect. For goodwill double insurance, the insurer and the applicant stlall bear joint respon- sibility; for malicious double insuranee behavior, it is advisable to take the null and void theory. Such not only can give con- sideration to the interests of the whole market, and more suitable for the development trend of the market economy.