论保险法上的风险分类:合理区分V.歧视

风险分类,是现代商业保险的重要特征之一,具有经济上的正当性。然而,在现代社会,评价一项风险分类是合理的区分对待还是不公平的歧视,已不能仅仅以统计数据或精算为依据,而应考虑保险的社会功能、盛行的社会伦理观念等。如何对风险分类进行规制,最终取决于利益权衡和公共选择。

Risk Classification in Insurance Law:Reasonable Distinction v.Discrimination

Risk classification is one of the most important features of modern business insurance and justified in economics. However,in modern society,when we decide whether a kind of risk classification is reasonable distinction or unfair discrimination,we should not only consider statistical data or actuarial reasons,but should emphasize the social function of the insurance,and overwhelming social value,etc. How to regulate the specific risk classification is eventually decided by the balance of interests and public choice.