禁止反言制度在保险法上的引入及完善

国外学者对保险法中的禁止反言制度研究较为深入。该制度是贯彻最大诚信原则的具体表现,可以有效防止保险公司滥用合同权限,还能减少理赔纠纷和保证信息的真实可靠性,更对稳定保险合同关系、保护被保险人的利益具有重大意义。新《保险法》实施前,国内学者对保险法中禁止反言制度的研究起步较晚,对于禁止反言制度的概念和适用情形也缺乏比较深入系统的研究。本文通过对禁止反言制度的内涵进行分析,阐述我国新保险法引入禁止反言制度的合理性和必要性,并结合实际进一步分析其适用限制情形,在此基础上对我国保险法适用禁止反言制度提出了相关立法建议,以期更好地平衡保险人与被保险人之间的利益。

Foreign scholars has made in -depth researches on the estoppel system, which reflects the maximum good faith, effectively prevents insurance companies from abusing contract permissions, reduces disputes and ensures the information authenticity, which is of significance for stabilizing insurance contract relationship and protecting the benefits of insurants. Chinese schol- ars began to study the estoppel system in insurance laws relatively late. And later research in this field is not deep enough. This article tries to discuss the rationality and necessity of introducing the estoppel system into the Chinese new insurance laws through analyzing the legal basis and the practical role of estoppel system. Then it analyzes its application restriction conditions further. Finally this article puts forward some legislative suggestions on the application of estoppel system.