摘要
投保人不兼为被保险人的保险合同为典型利他合同,我国《民法典》第522条第2款首次以立法形式确认真正利他合同制度。投保人任意解除权所涉权利冲突具备特殊的规范本质及独立的识别标准。为探求权利冲突之正确化解进路须具备“整体”与“局部”两种思维。运用“整体”思维确定权利超越规则、划定诚实信用原则为抽象边界;运用“局部”思维以行使时间、行使方式和行使后果为要素组合出任意解除权体系构筑之最优解;以完善投保人任意解除权制度之基础理论,规范司法裁判规则适用之统一性,协调《民法典》新增规范与《保险法》间的制度竞合关系。
The insurance contract in which the policyholder is not also the insured is a typical altruistic contract.Paragraph II of Article 522 in China’s Civil Code affirms the system of true altruistic contracts for the first time in legislative form.The conflict of rights involved in the policyholder's right of arbitrary termination has a special normative nature and independent identification criteria.Both“overall thinking”and“partial thinking”must be held to seek the right way to solve the conflict of right.It is regarded as the abstract boundary to use the“overall thinking”to determine the rights to surpass the rules,and to designate the principle of honesty and credibility;it is considered as the optimal solution to use“partial thinking”to exercise such factors as time,style and consequence combined to result in the construction of arbitrary termination right system.Therefore,some necessary moves must be made to improve the basic theory of the system of the policyholder's arbitrary termination right,to standardize the uniformity of the application of judicial adjudication rules and to coordinate the newly-added norms of the Civil Code and the system competition and cooperation relationship of Insurance Law.
作者
李雯
LI Wen(Faculty of Law,China Jiliang University,Hangzhou 310018,China)
出处
《浙江海洋大学学报（人文科学版）》
2024年第1期60-68,共9页
Journal of Zhejiang Ocean University(Humanities Sciences)
基金
教育部人文社会科学研究青年基金项目“民法典时代非典型担保规则的体系化研究”(编号:22YJC820047)。
关键词
任意解除权
利他保险合同
权利冲突
化解路径
arbitrary termination right
altruistic insurance contracts
conflict of rights
way of solution
