论保险法上解除权与民法上撤销权之竞合

投保人违反保险合同告知义务时,保险人的合同解除权与撤销权可能发生竞合。对此,有两种解决方案：一为排除说,二为选择说。前者以保险法上解除权排除民法上撤销权,后者允许两种权利并存由保险人选择行使。选择说会导致保险合同关系长期不稳定,置投保人于完全被动而纵容保险人粗放承保,故不足采。从立法目的、构成要件和法律效果上分析,保险法上的解除权可以看作民法的特别规定,排除说较为可采。

On the Concurrence of Right to Terminate in Insurance Law and Right to Rescind in Civil Law

The insurer's right to terminate an insurance contract and his right to rescind the same may concur when the insurance applicant fails to perform his duty of disclosure.There are two solutions to this problem:one is exclusion and the other is option.The former means that the right to ternimate under insurance law shall exclude the right to rescind in accordance with the civil law.The latter allows the two rights to coexist and to be excised at the insurer's option.The doctrine of option may cause long insta...