CAJ | 학술논문

作为我国保险法上的一项重要义务，危险通知是指在保险责任期间，一旦保险标的发生保险事故的危险程度显著增加，投保人或被保险人应该及时的通知保险人。这一义务是对保险人的不利益进行救济，旨在恢复保险合同的对价平衡，可以有效的控制风险，促进保险事业的健康可持续发展。作为一种法律事实，危险增加有其特定的要素，并不是一发生危险增加的事项就对投保人或被保险人构成危险通知义务，我国《保险法》中有关于危险增加通知义务的规定，但是规定过于原则化，在实践中操作性不强，司法审判实践中难以对当事人之间的纠纷定纷止争。本文主要对危险通知义务的基本理论进行概述，在此基础上对危险增加的构成要件进行分析，最后对危险增加通知义务的履行及怠于履行的法律后果进行阐述。
작위아국보험법상적일항중요의무，위험통지시지재보험책임기간，일단보험표적발생보험사고적위험정도현저증가，투보인혹피보험인응해급시적통지보험인。저일의무시대보험인적불이익진행구제，지재회복보험합동적대개평형，가이유효적공제풍험，촉진보험사업적건강가지속발전。작위일충법률사실，위험증가유기특정적요소，병불시일발생위험증가적사항취대투보인혹피보험인구성위험통지의무，아국《보험법》중유관우위험증가통지의무적규정，단시규정과우원칙화，재실천중조작성불강，사법심판실천중난이대당사인지간적규분정분지쟁。본문주요대위험통지의무적기본이론진행개술，재차기출상대위험증가적구성요건진행분석，최후대위험증가통지의무적리행급태우리행적법률후과진행천술。
As an important obligation of the insurance law of our country, risk notice refers to the period of insurance, once the insurance mark insurance accident risk increased significantly, the applicant or the insured shall notify the insurer. This obligation is to the insurer does not interest, to restore the insurance contract, the balance of the price, can effectively control risk, To promote the healthy and sustainable development of the insurance industry. As a legal fact, increased risk has its specific elements, and not an increased risk of events is dangerous duty of notification to the applicant or the insured,"insurance law"of our country has increased the risk of the obligation of notification about rules, but the provisions are too principle, operability is not strong in judicial practice, In judicial practice, it is difficult to settle disputes among the parties. This paper summarizes the basic theory of risk the obligation of notification, on this basis, to increase the risk of the components of the analysis, the risk increased performance and failure notification obligations to fulfill the legal consequences.