保险格式条款内容控制的规范体系

The Content Control Norms System of Insurance Standard Terms

格式条款的信息规制在保险背景下因成本过高而未能有效实现保障意思自治的目标,因而亟待转向以内容控制为主的模式。后者以维持给付均衡为价值取向。但是,保险的技术性与团体性也赋予了给付均衡更丰富的含义。据此而建构的内容控制规范应主要作用于背离任意性规范的非核心给付条款,特别是涉及远期不确定风险的条款。在控制范式上,宜采取抽象表述与具体列举相结合的方法,并考虑保险特质与我国实务,构建具有开放性的多层次不公平条款判断标准。

Due to the high cost, the information regulation path of standard terms in insurance con tract cannot effectively achieve the desired purpose of assuring autonomy, so it should be shifted to the content control mode. The purpose of the latter path is to maintain balanced insurance coverage. Howev er, the technicality and collective characteristic of insurance also grant the balanced insurance coverage principle richer meanings. Content should focus on the noncore terms control standards based on the deviating from arbitrary norm, balanced insurance coverage principle especially the long--term clause with uncertain risk. In the contract control paradigm, the abstract principle and example emueration should be combined. Considering the characteristics of insurance and the practice in our country, the establishment of multi--level and open--ended unfair terms judgment standard is necessary.