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保险人的合同解除权是保险人享有的一项重要权利 ,对于维护保险人的合法权益具有重要意义。保险人的合同解除权分为法定解除权与约定解除权。保险人的法定解除权仅限于《保险法》规定的几种情形。财产保险中 ,投保人未按时交付保险费 ,保险人不能享有法定解除权。目前 ,保险人的约定解除权存在很多问题 ,需要进一步规范。规范时要遵循两条原则 ,一是要保证公平 ,二是要有所限制。《保险法》对于保险人行使合同解除权的方式、保险人合同解除权的消灭等问题未作规定 ,可以适用《合同法》的有关规定
The insurer's right to rescind the contract is an important right enjoyed by the insurer and is of great significance to the insurer's lawful rights and interests. The insurer's contractual right to rescission is divided into the statutory right of termination and the right of termination. The insurer's statutory right of release is limited to several conditions under the Insurance Act. In property insurance, the insured fails to pay the premium on time, and the insurer can not enjoy the statutory right of cancellation. At present, there are many problems with the release of the insurer's agreement and need to be further regulated. Two principles should be followed in the regulation: one is to ensure fairness and the other is to have some restrictions. “Insurance Law” for the insurer to exercise the right to terminate the contract, the insurer to eliminate the right to terminate the contract and other issues not provided for the “contract law” can apply the relevant provisions