保险合同不公平条款规制的路径选择与框架建构——澳大利亚立法改革的经验与启示

The Path Choice and Frame Construction for Regulating Unfair Terms in Insurance Contract—The Experience and Revelation of the Australian Legislation Reform

保险合同中不公平条款的广泛存在严重损害了保险消费者的利益,必须对此加以有效规制。借鉴澳大利亚立法改革的经验,目前应在保险法中赋予保险消费者对合同条款公平性的司法审查请求权。但个别协商的条款与核心条款应被排除在审查范围之外。同时还可以在坚持既有免责条款说明义务履行方式的基础上,借鉴引入标准承保范围的规定。

Unfair terms widely existing in insurance contractshave seriously damage the interests of insurance consumers, so it must be effectively regulated. Referring to the experiences of the Australian legislation reform, at present the best way to deal with it is to entitle insurance consumers the right to request court to evaluate the fairness of insurance terms in insurance law. But some individually negotiated clauses and core terms should be excluded from the scope of review. At the same time, legislator can also introduces tandard coverage regulations on the basis of insisting on the current execution of exclusion term statement obligation.