技術品性下的保險交易公平

The Insurance Justice in the Technical Point of View

保險交易的技術品性是整個保險制度的構築基礎，在現行立法中越來越受到關注。但在司法層面，技術性卻身處被侵擾的困局。法院為了保護投保方不理性地適用相關條文，無差別地否定保險慣例。根源在於，在絕對傾斜保護弱者的思維慣性下，我們對保險交易公平內在的技術需求缺乏必要的關注。為此，應立足保險交易公平應有的倫理品性與技術品之雙重內涵，在立法、司法、市場多個層面開拓技術坪路徑，以實現弱者保護與技術維護之雙贏。

The technical character of insurance transactions is foundation of the whole insurance law, which has been concerned about the existing legislation. However, it has been undermined in judicial practice. In order to protect a policyholder, the court apply the relevant provisions irrationally, deny insurance practice indiscriminately, which lies in the lack of the necessary attention to the technical character under thinking of absolute protection for the weak. Insurance justice should both have ethical character and technical character. We should develop equitable path in the legislative, judicial, and market levels, to achieve the win—win situation for protection for the weak and maintenance of technology.