寿险合同复效之立法变动及规范方向

保险合同的中止和复效是因人寿保险合同的保险费交付债务的特殊性而在保险法上的特别规定。其规定在强行性上属于半强性规范,是为保护危险团体成员的利益而设,保险人不能通过格式条款或其他方式予以排除适用,或作出较该规范更不利于危险团体成员利益的规定。为此,需要在立法上增加关于认知和判断半强性规范的效力性规定,同时,也需明确复效的具体条件,以消除保险人在实际上通过协商同意来操控处于效力停止状态的保险合同的命运,使危险团体成员的利益得以落实。

The direction of change of legislation on restatement of life insurance contracts

The suspension and reinstatement of life insurance contracts are specifically promulgated on in the Insurance Law due to the special nature of premium payment obligation in life insurance contracts. This provision is in nature semi-mandatory, aiming to protect the interests of the group at risk. The insurer cannot exclude this provision through structured contracts or other methods, or use a provision less favorable to the interests of the group at risk. We need to add a provision through legislation on con...