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題 名 | 人壽保險契約要保人違反據實說明義務之法律問題研究=A Study of the Problems in Law Regarding the Insured's Violation of the "Obligation to Disclose" Mentioned in the Life Insurance Contract |
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作 者 | 陳宗慶; | 書刊名 | 德明學報 |
卷 期 | 15 1999.12[民88.12] |
頁 次 | 頁13-26 |
分類號 | 587.5 |
關鍵詞 | 最大誠意契約; 說明義務; 解除契約權; 撤銷權; 詐欺; 詐欺罪; The contract based upon the utmost good faith; Obligation to disclose; The rights of cancelling a contract; The rights of rescinding a contract; Fraud; Guilty of fraud; |
語 文 | 中文(Chinese) |
中文摘要 | 人壽保險契約為最大誠意契約,因此我國保險法第六十四條規定,訂立契約時, 要保人對於保險人之書面詢問,應據實說明,並規定違反時,保險人得行使解除契約權。 依我國民法第九十二條規定,因被詐欺而為意思表示者,表意人得撤銷其意思表示,是因為 表意人被詐欺,因而陷於錯誤,而為意思表示,則其意思表示即有瑕疵,表意人得行使撤銷 權。 保險法第六十四條之解除契約權與民法第九十二條撤銷權有不同的地方,將作不同之比較, 另外要保人違反據實說明之義務,因為民、刑事責任之不同,是否構成刑法上之詐欺罪,亦 將一併討論。 |
英文摘要 | Life insurance contract is called, "the contract based upon the utmost good faith". Therefore, subject to clause 64 of ROC's Insurance Law, any inquiries in writing from the insurer given to the insured should watch the "obligation to disclose" while contracting. If not, the insurer should have the rights to cancel the contract made by both parties. In accordance with clause 92 of ROC Civil Law, an individual can rescind the contract if they feel it has some defects or vices, if he or she has been swindled, or if they have been deceived by the other. Furthermore, I would like to compare the differences between "the rights of cancelling a contract" and "the rights of rescinding a contract" mentioned in clause 92 of ROC's Civil Laws, respectively. I also discuss the insured's violation of the "obligation to disclose", in which they may be found guilty of fraud if they don't comply, under ROC's Criminal Law. This is because of the difference between the responsibility of the Criminal Law and that of the Civil Law. |
本系統中英文摘要資訊取自各篇刊載內容。