On the Legal Relief of Insurance Fraud——Take the Right to Cancel the Insurance Law and the Right to Cancel the Civil Law as the Way

Ruitong Yang
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Abstract

With the development of science and technology, insurance fraud is not uncommon, but my country's legal remedies for this are not clear. This article first explains the concept of insurance fraud and compares and analyzes the difference between the insurer’s right of rescission and revocation, and summarizes the current application dilemmas of the two rights. Next, the author analyzes the preconditions for the insurer to exercise the right of termination according to the law to distinguish the two rights again, and then introduces the current thinking dimensions of scholars from the two mainstream viewpoints of "exclusion of application theory" and "selection application theory". At the same time Combining with extraterritorial regulations and summarizing the advanced experience that our country can learn from, the author finally puts forward suggestions on regulating the application of the insurer's right of cancellation and cancellation from the subjective aspects of the insurant and the insurer in anticipation of resolving the dilemma of the conflict of rights.
论保险欺诈的法律救济——以保险法撤销权和民法撤销权为途径
随着科技的发展,保险欺诈已经屡见不鲜,但我国对此的法律救济却并不明确。本文首先对保险欺诈的概念进行了解释,并对保险人的撤销权与撤销权的区别进行了比较分析,总结了目前这两种权利的适用困境。其次,笔者对保险人依法行使解除权的前提条件进行了分析,再次区分了这两种权利,并从“排除适用说”和“选择适用说”两种主流观点介绍了目前学者们的思维维度。同时结合域外规制,总结我国可以借鉴的先进经验,笔者最后从被保险人和保险人的主观层面提出了规范保险人撤销撤销权适用的建议,以期解决权利冲突的困境。
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