论医疗责任保险中保险人的抗辩义务

A Study on the Medical Liability Insurer's Duty to Defend

与域外的情况不同,在中国的医疗纠纷中,医疗责任保险的保险人至今仍置身事外。反观我国《保险法》第66条,虽然法律条文极为简要,但并未明确禁止保险人的抗辩义务。本文以《保险法》第66条为核心,利用目的性扩张的法律解释方法,将保险人的抗辩义务定性为法定义务、主给付义务,以此展开如何履行抗辩义务以及不履行抗辩义务的法律后果两部分,并就部分问题略陈管见。

Different from foreign cases,the insurers of medical liability insurance remains aloof from China s medical tangles.Articte 66 of Insurance Law,even though with very brief legal provisions,do not expressly prohibit insurers duty to defend.In view of this,this paper focuses on Articte 66 of Insurance Law and uses the legal interpretation method of intentional expansion,and defines the insurer s duty to defend as an statutory obligation and a main payment obligation.Based on this,this paper discusses about the methods of fulfilling the duty to defend and the legal consequence of not fulfilling the duty,as well as a few of other issues.