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保险契约作为无形金融商品之一,若要保人在订约之前,未能获得充分的商品资讯便订立契约,则容易发生该保险不符合其需求或期待,进而在日后产生契约上的纠纷。确保订约前提供要保人适当的商品资讯,有助于其就是否订约作出较为适当的判断。我国现行保险法对于订约前要保人的咨讯需求并无明文规定。德国于2008年1月1日起生效的新保险契约法中,规定保险人应于订约前提供法定资讯予要保人,违反者要保人的撤回权将无期限限制,并且可以请求保险人损害赔偿,明确保障具有私法属性的要保人资讯权。文章对此进行介绍评析,分析德国新法作为我国法律发展之参考的可能性。
As one of the intangible financial products, insurance contracts, if the sponsor fails to obtain sufficient information of the goods to conclude a contract before the contract, is prone to the insurance does not meet their needs or expectations, and then in the future contractual disputes. Ensuring proper information about the product to be covered by the sponsor prior to the contract will help it to make a more appropriate judgment as to whether to make the contract or not. The current insurance law in our country does not expressly provide for the information needs of the sponsors before the contract. The new insurance contract law in Germany, effective January 1, 2008, provides that the insurer should provide statutory information to the insured before the contract is made, the revocation of the insured against the insurgents will be for an indefinite period, and insurance may be claimed Person damages, a clear protection of private property lawsuit information rights. The article makes an introduction and analysis, analyzes the possibility of the new German law as a reference for the development of law in our country.