簡易人壽保險中要保人之告知義務與保險人解除權之除斥期間－－臺灣高等法院高雄分院103年度保險上易字第4號評析

Disclosure Duty of Proposer and Incontestable Clause in Simple Life Insurance

簡易人壽保險法中關於要保人訂約時的告知義務，設有與保險法相類似但不盡相同的規定。就保險人解除權的除斥期間，簡易人壽保險法規定「自保險契約訂立或恢復保險契約效力至保險事故發生日滿2年，即有可以解除之原因，亦不得解除保險契約」。若保險事故發生於訂約後2年之內，而保險人於訂約屆滿2年時始解除契約，則適用簡易人壽保險法或適用保險法的結果，可能有所不同。近來臺灣高等法院高雄分院有一則案例，一、二審法院對上述問題有不同見解。本文研究結果，認為簡易人壽保險法屬特別規定，應優先保險法而適用。保險人於訂約後已逾2年時，仍得解除契約。

The provision regarding proposer's disclosure duty in Simple Life Insurance Act is similar to Insurance Act Article 64, but actually different. For contestable period aspect, Simple Life Insurance Act provides that ＂If the insured event occurs two years after the conclusion of the contract, the insurer may not cancel the insurance contract.＂ Supposed the insured event has been occurred within contestable period (two years), and insurer cancelled on the date which has been expired. It would be attributed to different decisions, depending on whether to be applicable to Simple Life Insurance Act or Insurance Act. Recently, the first and second instances in Taiwan Kaohsiung District Court & Taiwan High Court Kaohsiung Branch are sentencing disparity on the above-mentioned issue. This Article concluded that Simple Life Insurance Act is prior applicable to Insurance Act, insurer would cancel the insurance contract, even if contestable period has been expired.