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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 — Rescission of an insurance contract and insurer's denial of compensation (Personal insurance contract dispute)
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最高人民法院公布三起保險合同糾紛典型案例之二：田某、冉某訴某保險公司人身保險合同糾紛案——保險合同解除與保險人拒賠
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【法寶引證碼】
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| 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合同糾紛典型案例之二：田某、冉某訴某保險公司人身保險合同糾紛案 |
| —Rescission of an insurance contract and insurer's denial of compensation | | ——保險合同解除與保險人拒賠 |
| [Key Points] | | 【要點提示】 |
| 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. | | 保險人未在法定期間內解除合同，喪失保險合同解除權。保險人以投保人違反如實告知義務為由拒絕賠償的，人民法院不予支持。 |
| 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（二）》涉及條款：第八條保險人未行使合同解除權，直接以存在保險法第十六條第四款、第五款規定的情形為由拒絕賠償的，人民法院不予支持。但當事人就拒絕賠償事宜及保險合同存續另行達成一致的情況除外。 |
| [Brief Facts] | | 【簡要案情】 |
| ．．．．．． | | ．．．．．． |
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