德国2008年《保险合同法》变革透视

2008年1月1日，德国《保险合同法》完成了其生效近百年后的首次重大修订并开始实施。新法在强化保险人义务、完善投保人权利，衡平保险市场供需双方间利益关系等方面作出了诸多重大变革。变革内容主要包括：保险人建议与说明义务的强化、投保人告知义务范围及其责任机制的完善、被保险人权利类型的扩张、保险合同解除权制度的健全以及保险合同法本身的现代化等。相关变革对于中国保险法的进一步完善具有重要借鉴价义。

On the Reform of the Insurance Contract Law in Germany

Insurance contract law of Germany came into effect on Junary 1,2008, after the most important revision from its becoming effective nearly one century ago. The new law had accomplished many reforms, such as the consolidated duties of the insurer, the improved rights of the policyholders, the balance between supply and demand of the insurance market, etc. The main changes include ： the strenghtening of the insurers＇ advisory obligations and disclosure duties, the improvement of the scope and responsibility mechnism of the appilicants＇ duties of disclosure, the extended rights of the policyholders, the improvement of the revocation right of insurance contract, and the modernization of the insurance contract law itself, etc. Such changes have great value for reference to China.