论重复投保定额保险之道德危险防范

A Study on the Prevention of Moral Hazard in Double Block Insurance

理论通说认为,定额保险不适用复保险制度。针对重复投保定额保险的道德危险,实务中主要通过核定合理保险金额与适用如实告知义务制度来予以防范。从防范重复投保定额保险之道德危险的角度来看,如实告知义务制度需要在重要事实认定规则、主观过错规则、因果关系规则等方面进行改进。

According to the theory, double insurance is not applied to block insurance.In practice, the moral hazard in double block insurance is mainly kept away by appraising and deciding the reasonable insured and applying the obligation to disclose.From the view of prevention of moral hazard in double block insurance,the obligation to disclose needs to be improved in the aspects of material facts rules,subjective fault rules and causality rules.