保险合同复效制度比较研究

我国规定保险合同复效须由投保人与保险人达成协议，这种模式容易导致保险人滥用同意权阻碍保险合同复效，宽松的可保主义模式能够平衡投保人与保险人之间的利益。衡量投保人提供的可保证明是否符合复效要求应当采取理性保险人标准。复效合同性质上应为原合同与新告知内容的特殊组合，对新告知内容，投保人应当履行告知义务，保险人对新告知内容的抗辩应自复效之时起算，而自杀免责期的起算则应从保险合同成立之时起算。在宽松的可保主义制度下，自动复效阶段的复效时点为投保人补缴保险费及其利息之时，可保复效阶段，保险合同复效的时点因情况不同各有差异。

A Comparative Study on the System of Reinstatement of Insurance Contract

According to relevant provisions,reinstatement of insurance contract requires an agreement signed between the insurant and the insurer.This model tends to result in insurer’s abuse of right to consent to obstruct the reinstatement of insurance contract.A relaxed insurable model,however,may strike a balance between the insurant and insurer.In judging whether the insurable certification provided by the insurant satisfies the requirements of reinstatement,the standard of reasonable insurer should be adopted.By nature,the reinstated contract is a special combination including the original contract and newly-informed contents.The insurant is obligated to inform the insurer of the newly-added contents.The insurer’s defense for the newly-informed contents starts from the time of reinstatement,whereas the suicide period of exemption shall run from the time of formation of the insurance contract.Under the relaxed insurable model,the time of automatic reinstatement is the time of payment of unpaid premiums with interest.The time of insurable reinstatement varies according to different situations.