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論著名稱: 從德國保險人資訊義務規範論要保人之資訊權保障(Protection of the Insured in Aspect of Policy Information: A Study on the Duty of Information of the Insurer in Germany)
編著譯者: 葉啟洲
出版日期: 2012.04
刊登出處: 台灣/政大法學評論第 126 期 /291-356 頁
頁  數: 44 點閱次數: 856
下載點數: 176 點 銷售明細: 權利金查詢 變更售價
授 權 者: 葉啟洲
關 鍵 詞: 資訊義務撤回權損害賠償契約審閱期定型化契約商品資訊書消費者保護被保險人平等原則
中文摘要: 保險契約為無形金融商品之一,若要保人在訂約之前,未能獲得充分的商品資訊即訂立契約,則容易發生該保險不符合其需求或期待,進而在日後產生契約上的糾紛。確保訂約前提供要保人適當的商品資訊,有助於其就是否訂約作出較為妥適的判斷。我國現行保險法對於訂約前要保人的資訊需求並無明文保障,至於消費者保護法第 11 條之 1 所規定的定型化契約條款審閱期之設計是否符合保險契約之特性及要保人的需求,尚有研究之必要。德國於二○○八年一月一日起生效之新保險契約法中,規定保險人應於訂約前提供法定資訊予要保人,違反者要保人之撤回權將無期限限制,且得請求保險人損害賠償,明確保障具私法屬性的要保人資訊權,對於保險消費者的資訊需求保護頗為周詳,爰撰文介紹評析,最後再檢討我國法律現行法制下要保人的資訊需求是否已獲充分保障,並分析德國新法作為我國法律發展之參考的可能性。
英文關鍵詞: Duty of InformationRevoke, CompensationReviewing PeriodStandard ContractInformation SheetConsumer ProtectionEquality among Insured
英文摘要: Insurance is a kind of intangible financial product and if the applicant could not obtain enough information prior to making the contract, it tends to have the situation that the insurance does not meet the applicant's need and expectation and furthermore contract disputes may arise in the future. It is helpful for the applicant to make an appropriate decision in concluding an insurance contract if he or she can be supplied the proper and related product information prior to contracting. In the cur-rent Insurance Law in Taiwan, there is not any article to regulate the insurer's obligation of supplying contract information to the applicant prior to contracting. The regulation in the Consumer Protection Act, which provides the contract reviewing period for the consumer in Article 11-1, could not meet the applicant's need and the nature of insurance. In German New Insurance Contract Law effectuated on 1st January, 2008, it regulates that the insurer is obligated to deliver the regulated information to the insurance applicant before the offer is made. The violation leads to a timely unlimited right of the insured to revoke the contract. Meanwhile, the insured can also make a claim against the insurer for damage caused by the deficit of information. The aforementioned law explicitly protects the applicant's information right which is regarded as a right in private law. It details the insurance consumer's protection of the information necessity. This paper considers introducing and commenting on the aforesaid law, reviewing the related regulations of the applicant's protection of the information necessity in Taiwan and addressing some recommendations for the possibility of developing related regulations in our legal system by reference to the aforesaid law.
目  次: 壹、概說
貳、立法沿革
參、保險人資訊義務的具體規範
一、相關主體
(一)義務人
(二)權利人
二、資訊義務之履行
(一)時點
(二)資訊告知之方式
三、資訊義務之範圍
(一)概說
(二)公開透明原則
(三)保險業之識別與承保之危險
(四)一般保險約款及除外危險之訂入
(五)保險費及附加保險費之資訊
(六)壽險與健康險之特別規定
(七)商品資訊書
四、資訊義務之例外與要保人之棄權
(一)例外-巨災危險
(二)資訊權的拋棄
五、契約存續中之資訊義務
(一)保險契約法之規定
(二)保險資訊辦法之規定
六、違反資訊義務之效果
(一)撤回權之行使與保險費之處理
(二)損害賠償
(三)保險業監督法上之處罰
七、綜合評論
(一)要保人訂約前資訊需求之直接肯定
(二)要保人儘速保障需求的滿足
(三)資訊義務內容之明確化
(四)以私法上撤回權為主要救濟方式
肆、臺灣現制之檢討
一、審閱範圍及期間
二、違反審閱期間規定之效果與危險共同體之利益
(一)條款不構成契約內容?
(二)權利存續期間
三、要保人之保障需求
四、修法建議
伍、結語
附錄  德國新法關於保險人資訊義務相關條文中譯
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