寿险保险人缴费催告义务的立法研究

Legislative Comparison and Reflection on the Life Insurer's Fee Summon Obligation

人寿保险合同中的投保人要承担长期的缴费义务。为解决投保人未能及时缴付保险费的问题,各国保险实务上都创设了宽限期制度与缴费催告制度。但在是否要求保险人承担法定的缴费催告义务问题上,因对保险费性质的理解差异,分属两大法系的国家在立法上产生较大分歧。我国保险立法则游离于两大法系之间,这造成保险实务的困惑,不利于保护投保人的利益,也未能与合同法的规则相契合。因此,在立法上有必要明确这一义务。

Applicants in the life insurance must undertake a long-term payment obligation.In order to solve the problem that the applicant fail to pay premiums,the systems of grace period and payment summon system have been created by insurance practitioners in all countries.Because of the different understanding to the nature of the insurance premiums,differences exist between Common Law and Civil law about whether insurer should bear fee summon obligation.Insurance legislations in China swing between the two legal systems,causing confusion to insurance practice,which is not conducive to the protection of the applicant＇s interest,and is not consistent with the rules of contract law.Therefore,legislations should admit the obligation.