本論文之脈絡結構之第一大部分,係先就保險法有關「故意致保險事故發生」之保險法第29 條、109 條及第133 條為主軸,論述其主觀故意之意義,而保險法第29 條之爭點牽涉到故意是否包括重大失,以及法條主體規定要保人之妥適性。至於保險法第109 條係針對精神病與自殺之間之關係為重點,加入醫學上對精神病之見解,亦即套用刑法上關於罪責之辨識能力與控制能力概念為標準,應用到醫學上自殺率較高之精神病,以探討病患之辨識能力與控制能力對自殺產生影響之相關問題。而第133 條之重點部份則是在於「故意犯罪」之解釋方法、要件及範疇。論文第二大部分是針對刑法上關於故意之意義及故意之種類為一描述,最後,論文第三大部分則是參酌實務相關判決,將保險法與刑法之故意概念為一結合,並對實務判決提出評析。
The first section of the thesis, comprising Article 29, 109, and 133 of the Insurance Act as the main structure, discusses the proposer or insured loss which is caused by a willful act, thus conveys the meaning and definition of subjective intention. In the first section, the author examines Article 29 under the Insurance Act with issues of whether the willful act includes gross negligence, and the appropriateness of involving the proposer in applicable reach. As to Article 109, the author discusses relation between suicide and psychosis, with studying on how control and identification ability attributes to results of suicide. At the end of the first section, the author inspects the focal point of Article 133, focuses on criminal act by analyzing its elements, applicable reach, and way of approaching. In the second section of the thesis, the author pays attention to kinds and definitions of subjective intention under the concept of Criminal Law. The third section, as a conclusion to the whole thesis, remarks on actual cases throughout combining the concept of subjective element under Criminal Code and the Insurance Act.