| No. 2 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Tian [REDACTED] & Ran [REDACTED] v. [REDACTED] Insurance Company (Personal insurance contract dispute) | | 最高人民法院公布三起保險(xiǎn)合同糾紛典型案例之二：田某、冉某訴某保險(xiǎn)公司人身保險(xiǎn)合同糾紛案 |
| —Rescission of an insurance contract and insurer's denial of compensation | | ——保險(xiǎn)合同解除與保險(xiǎn)人拒賠 |
| [Key Points] | | 【要點(diǎn)提示】 |
| An insurer loses the right to rescind an insurance contract when it does not rescind the contract within the statutory period. Where the insurer denies compensation on the ground that the insurance applicant has failed to fulfill the duty of honest disclosure, the people's court should not support the denial. | | 保險(xiǎn)人未在法定期間內(nèi)解除合同，喪失保險(xiǎn)合同解除權(quán)。保險(xiǎn)人以投保人違反如實(shí)告知義務(wù)為由拒絕賠償?shù)模嗣穹ㄔ翰挥柚С帧?/td> |
| Applicable provisions in Interpretation II: Article 8: Where an insurer does not exercise its right to rescind a contract, and directly denies compensation on the ground that there exists any of the circumstances as prescribed in paragraphs 4 and 5 of Article 16 of the Insurance Law, the people's court should not support the denial, unless the parties have otherwise agreed on the denial of compensation and the continual existence of the insurance contract. | | 《解釋?zhuān)ǘ飞婕皸l款：第八條保險(xiǎn)人未行使合同解除權(quán)，直接以存在保險(xiǎn)法第十六條第四款、第五款規(guī)定的情形為由拒絕賠償?shù)模嗣穹ㄔ翰挥柚С帧５?dāng)事人就拒絕賠償事宜及保險(xiǎn)合同存續(xù)另行達(dá)成一致的情況除外。 |
| [Brief Facts] | | 【簡(jiǎn)要案情】 |
| ．．．．．． | | ．．．．．． |
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