人身保险合同中的犹豫期条款问题研究

A Study on the Cooling-period Clause in Life Insurance Contract

犹豫期制度赋予了消费者单方合同解除权来弥补消费者缔约能力之不足。为加强保险消费者的权利保护,我国保险立法应正式引入犹豫期制度,提高犹豫期制度的立法层阶、明确犹豫期的起算点、强化保险人对犹豫期条款的说明义务、明确犹豫期的行使方式及法律后果,以充分发挥犹豫期条款制度应有的价值和功能。

Cooling -period clause system gives the policy -holder the unilateral right of dissolution of contract. In order to strengthen the right of policy - holder, it＇ s necessary for our country to introduce the system of cooling - period to improve the legislative layer order of cooling - off period, identify the starting point of the cooling- off period. Furthermore, we should strengthen insurer＇s legal responsibility of the explanation of the cooling - off period and make it clear of the way of exercising the cooling - off period and its legal consequence so that the value and function of the cooling- period clause system.