復效可保證明於簡易人壽保險法適用之評

A Study on the Evidence of Insurability in Simple Life Insurance Act

簡易人壽保險法第15條中關於申請恢復保險契約效力時，設有要保人及被保險人對於保險人之書面詢問，應據實說明之規定。然負有據實說明義務與提出可保證明，二者為不同之概念，據實說明義務係以最大誠信原則暨對價平衡原則作為基礎，可保證明則用以提供保險人危險篩選機制。本文將針對二者分別探討，並提出可保證明之概念導入簡易人壽保險法中，避免要保人於停效後，因身體健康產生變化始申請復效，而產生投機行為。

Article 15 of the Simple Life Insurance Act：When applying for reinstatement of an insurance contract, the applicant and the insured are required to answer truthfully the insurer’s questions in writing. The duty of disclosure is different from the evidence of insurability. The duty of disclosure is based on the principle of utmost good faith and equivalence, whereas the evidence of insurability serves as a selection mechanism for risk management. This paper intends to focus on both and introduce the concept of the evidence of insurability into Simple Life Insurance. This could prevent proposers have opportunistic behavior when applying for reinstatement of an invalid insurance contract due to changes in health.