保险合同犹豫期制度的完善

The Perfection of Hesitation Period System of Insurance Contract

犹豫期是保监会为更好地保护人身保险投保人利益而创设的一种制度。本文通过对保监会文件的梳理得出犹豫期制度的构成要素及理论依据,同时通过对犹豫期在司法实践过程中所暴露出的问题进行考量以揭示该制度的缺陷,并在借鉴德国撤回权制度的基础之上提出完善我国犹豫期制度的建议。

The hesitation period system is established by China Insurance Regulatory Commission(CIRC) to better protect the policy holders' interests in the individual insurance contract.This paper summarizes the institutional elements and theoretical foundation of hesitation period from the analysis of the documents issued by CIRC,and further reveals the imperfection of the system by reviewing its judicial application.On this basis,the paper puts forward the suggestions to improve China's hesitation period system through learning from the revocation right of Germany.