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所谓危险增加通知义务,是指保险合同订立后,在保险期间内保险标的的危险程度发生显著增加时,被保险人负有将该危险增加状况及时通知保险人的义务。法律课予被保险人危险增加通知义务之法理基础,在于民法上的公平原则以及合同法上的情事变更原则与对价平衡原则。2009年修订的《保险法》第52条对危险增加通知义务进行了完善,但仍有一些问题有待进一步探讨和明确。笔者试结合理论和实务中的争议问题,对该制度进行探讨。
The so-called danger to increase the obligation to inform refers to the insurance contract is concluded, during the insurance period of the subject of a significant increase in the risk of the subject, the insured person to increase the danger of the insurer’s obligation to inform the situation. The legal basis for the legal obligation of the insured to increase the obligation of notification is based on the principle of fairness in civil law and the principle of the alteration of the circumstances and the principle of balance of consideration in the contract law. Article 52 of the Insurance Law revised in 2009 has perfected the obligation to inform the danger increase. However, some problems still need to be further explored and clarified. I try to combine the controversial issues in theory and practice to explore the system.