投資型保單之相關問題—以說明義務為中心

A Study on the Investment-linked Insurance —Take Duty of Explanation as Centre

范懷庭(Huai-Tin Fan)

指導教授 ： 杜怡靜

國立臺北大學/法律學院/法律學系/碩士(2009年)

摘要

依據行政院金融監督管理委員會（以下簡稱金管會）公布去（96）年度保險申訴案件統計，就險種而言，人壽保險比率（56.11％）最高，投資型保險（25.43％）次之。據金管會分析指出：本期申訴總件數及申訴率較去年同期上升，其中申訴總件數增多除因整體有效契約成長外，主要係下列申訴案件增加所致：（一）招攬糾紛、契約轉換與變更繳費年期爭議。（二）業務員不實招攬。（三）未詳實告知投資型保險商品相關費用、目標保費配置過高或誇大投資報酬率，可見關於投資型保單於說明商品之規定與執行對投保者有相當之疑問。

本論文在研究的方法上，計有史料分析法、傳統法學分析法、文獻探討法、立法走向研究法。在史料分析法上，有保險法第一百四十六條第五項、第六項及依此第六項之授權規定「投資型保險商品管理辦法」，再依該辦法之第三條第二項之規定，主管機關財政部訂定「投資型保險資訊揭露應遵循事項」。

在傳統法學分析法上，依民法二四五條之一第一項第一款，並無法解決金融業者「故意不完全告知」、「過失為不實告知」 或「誤導告知」之情形。至於法規命令上有說明義務之規範，則民法第一八四條第二項應是投保人尋求法律依據上之最佳選擇。

文獻探討法上，主要是以參看我國學者之文章及研究生之論文對於此一領域相關看法的比較研究。在將相同議題逐一分析課學者間之看法後，考量其利弊得失，得出本文可將投資型保險契約作割裂式的思考，即分成人壽保險契約是以被保險人當作保障對象，而投資契約部分是以投資人為保障對象。最後，在金融法制整合下，對此領域的投資人有何影響，將來我國金融類別之民事責任有何新的趨向，事關投資型金融商品將來的發展與投資人之保護，自然不能無視於其存在。對此，本文主要以金融服務法草案作為討論之基礎，與目前或是過去我國保險事業法制的相關概念作一比較，試圖評析金融服務法草案對投資型金融商品之影響及利弊得失。

關鍵字

投資型保險商品 ； 說明義務 ； 忠實義務 ； 人身保險 ； 分離帳戶

並列摘要

The basis of the Financial Supervisory Commission (hereinafter referred to as FSC) announced the go (96) Annual insurance appeals to statistics, in terms of the insurance, life insurance rate (56.11%) the highest investment-type insurance (25.43%) followed. According to FSC analysis pointed out: the current total number of complaints and the complaint rate of increase in the same period last year, which increased the total number of complaints in addition to valid contracts because of the overall growth of things, mainly attributable to the increase in the following appeals: (1) recruit disputes, contract Conversion and change the payment period of the dispute. (B) The clerk does not really recruit. (C) is not informative investment-oriented insurance this merchandise costs associated with the target premium is too high or exaggerated configuration ROI can be seen on the investment-oriented policies in the description of merchandise with the implementation of the insured there is considerable doubt.

This thesis on the study methods, including historical data analysis, traditional jurists analysis, literature review method, to study the legislation. At analysis on historical data, there is insurance law in Article 146th fifth, sixth and sixth and so the authorization of the provisions of "investment-type insurance merchandise management approach", according to the approach of the third second provisions, the competent organs of the Ministry of Finance set "investment-type insurance information to expose the matter to be followed."

Law in the traditional analysis method up, according to civil law, one of the article245 first paragraph, and does not resolve the financial industry who "intentionally fails to fully inform", "fault for not really inform" or "misleading inform" circumstances. As for laws and regulations has made it clear that the obligation on the order of norms, while the Civil Code Article 184 second policyholders should be sought on the legal basis for the best selection.

Explore the law on the literature, mainly in the form of the article see our country scholars and graduate thesis of this field for comparative study of the relevant views. At the same analysis and that each class of views between scholars, considering its advantages and disadvantages of this article can be obtained investment-type insurance contracts for a fragmented consider, that is divided into life insurance contract is deemed to protect the insured person, while investment contracts to protect part of the investment man-made object. Finally, the rule of law in the financial integration, the people in this area the impact of investment in the future, our country's civil liability for the financial category of the new trend is related to investment-type financial products and investment in the future development of the protection of people, nature can not be ignored its existence. This paper mainly in the draft law on financial services as a basis for discussion with the current or past the cause of China's insurance-related concept of the rule of law to make a comparison, trying to draft assessment of financial services to investment-type financial products and the advantages and disadvantages.

並列關鍵字

investment-linked product ； note obligations ； duty of loyalty ； life insurance ； separate account

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