论寿险复效模式的优化

The Optimation of Life Insurance’Reinstatement of Pattern

《保险法解释三》第8条摒弃了《保险法》所采的保险复效模式，改采“可保模式”。这种模式可较好的平衡寿险复效中的逆向选择防范需求和被保险人利益。但现行制度下，有部分危险显著增加的被保险人，虽不意图逆向选择，但由于制度的不完善被排斥在复效门外。此为逆向选择防范之“副作用”，应综合运用法律解释与立法完善两种方法予以“治疗”，从而更为精准的处理逆向选择防范与被保险人利益保护。

Insurance Law Act III Clause VIII turns the old pattern of reinstatement of insurance to pattern of insura- bility. The new pattern can not only avoid the insurant to make adverse selection but also restrict the insurer refusing re- instatement of insurance unreasonably. However, in order to avoid adverse selection, the new pattern also has side - effect, which refuses some insurants＇ application who have no adverse choice. Therefore,we should via legal explanation and legislation to promote the balance between the insurer and the insurant.