CAJ | 학술논문

弃权与禁反言两个概念经常是放在一起使用的,有时弃权、禁反言与不可抗辩还存在重复和交叉。但实际上,弃权、禁反言与不可抗辩并不是相同原则,而是相互独立的不同原则。弃权、禁反言与不可抗辩原则对于保险公司和投保人都起着非常重大的作用,既可以促使保险公司在订立保险合同时,明确标准、严格管理以保护保险公司的利益,也可以促使保险人增强对自身保险权益的保护。因此,明确三者的概念、构成要件及适用范围对维护保险业的诚信、和谐和稳定具有重要意义。
기권여금반언량개개념경상시방재일기사용적,유시기권、금반언여불가항변환존재중복화교차。단실제상,기권、금반언여불가항변병불시상동원칙,이시상호독립적불동원칙。기권、금반언여불가항변원칙대우보험공사화투보인도기착비상중대적작용,기가이촉사보험공사재정립보험합동시,명학표준、엄격관리이보호보험공사적이익,야가이촉사보험인증강대자신보험권익적보호。인차,명학삼자적개념、구성요건급괄용범위대유호보험업적성신、화해화은정구유중요의의。
Abstention and estoppels are used together usually and there are overlaps and intersections with abstention sometimes.But in fact,abstention,estoppels and incontestability are different principles and they are independent with each other.It perform an important function of abstention,estoppels and incontestability for insurance company and policy holder.It is not only valid to impel insurance company to explicit criteria,rigorously administer to protect insurance company＇s interest.So it is significant to explicate their concepts,constitutive requirements and scopes of application for maintaining the honesty,harmony and stability of insurance industry.