論人壽保險契約停效與復效之研究-以保險法第 116 條為中心

A Study on the Suspension and Reinstatement System of Life Insurance Contracts- Based on the Article 116 of the Insurance Act

陳淑華(Shu-Hua Chen)

指導教授 ： 羅俊瑋 ； 郭振恭

中原大學/商學院/財經法律研究所/碩士(2014年)

https://doi.org/10.6840/cycu201400691

摘要

保險契約為民事契約,其契約生效至終止與一般民事契約相同,但保險契約獨有

停效與復效之制度。保險人是否應寄發催告及寄發形式與保險契約是否停效有重大關

係,學說及實務見解亦未盡相同。96 年保險法修法後,保險法第 116 條對復效的規定

出現重大的改變,就此改變足可見主管機關重視消費者之權益,惟對保險法第 116 條

第 1 項的“除契約另有約定外”的定義未詳加規範,以至爭議不斷。復保險人若未就

人壽保險費之繳交進行催告,其將生若何之法律效果?本論文首先就保險契約之特

性、原則及生效及成立要件等基本概念加以探討,其次介紹保險契約停效及復效之原

因及法律效果等。再據保險契約之特性對我國現行催告制度加以探討。又本文主要係

以整理國內外學說及實務見解,藉以瞭解相關問題之所在,並於文末提出相關節論與

建議,以供未來修法之參酌。

關鍵字

保險契約、人身保險、停效、復效、保險法第 116 條、催告、保險費

並列摘要

Insurance agreement is pertain to civil contract. Its agreement is approximately the same

as general civil agreement from its effectiveness to termination. However, the insurance

agreement has the unique system of effectiveness suspension and reinstatement. There is a

significant relationship between whether the insurant should send the claim, the sending form

and whether the insurance agreement will be suspended from its effectiveness; while the

theoretical doctrines and practical perspectives are not consistently as the same. After the

amendment of Insurance Act in 2007, the Article 116 of Insurance Act has appeared a

significant change on the regulation of effectiveness reinstatement. From the aspect of this

change, it can be observed that the competent authority is emphasized on the consumer rights.

However, the Item 1 of Article 116 in the Insurance Act does not regulate in detail about the

definition of “unless otherwise appointed in the contract”, which has resulted in a continuous

argument. Furthermore, what will be the legal effectiveness generated if the insurant did not

execute the claim for the payment of life insurance? This thesis has invested on the

fundamental concepts about the characteristics, principle, effectiveness, and establishment

essentials of the insurance agreement at first. And, the second aspect is to introduce the reasons

and legal effects of the insurance agreement pause and recovery. Furthermore, it will be

investigated on the current domestic claim system according to the characteristics of insurance

agreement. In addition, this article is based on the sorting of domestic and foreign theoretical

doctrine and practical perspectives in order to realize the crux of related issues. And, it has

proposed the relevant conclusions and suggestions in the end of this article for the reference

of future studies and consideration of Law amendment.

並列關鍵字

Claim ； Article 116 of Insurance Act ； Effectiveness Reinstatement ； Effectiveness Suspension ； Insurance Agreement ； Insurance Payment.

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