Nghĩa vụ cung cấp thông tin khi giao kết hợp đồng bảo hiểm - Một số vướng mắc từ thực tiễn và kiến nghị hoàn thiện=Duty to provide information in entering into insurance contracts-Some obstacles f-rom practical implementation and recommendations for finalization

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Tác giả: Thị Nhàn Lê

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Nghề Luật, 2024

Mô tả vật lý: tr.25-29

Bộ sưu tập: Metadata

ID: 252896

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: The nature of insurance relationships is risk sharing. The subjects of an insurance contract are those who are directly affected by the risk and have the right to be insured when the insured event occurs. This shows that understanding of risks is the main basis for the parties to consider, calculate benefits and express their will on whether to participate in the contract or not, to what extent if they participate, what the insurance premiums and specific insurance conditions are. Understood in another way, risk awareness is considered a “nodal point” in the will relationship between subjects participating in insurance contracts. As a node of the relationship, risk is not a clearly defined factor like the object of other common types of contracts but can only be indirectly inferred through relevant information provided by each of the parties. This has the potential to lead to disputes when the parties have different understandings of those risks. This risk appears when the insurance relationship is c-haracterized by asymmetry in the flow of information to help assess and predict risks. The article aims to clarify some provisions of the Law on Insurance Business in 2022 on the obligations of parties to provide information in entering into insurance contracts, relating to practice to point out some problems, inadequate, f-rom which the author proposes suggestions for improvementBản chất của quan hệ bảo hiểm chính là sự chia sẻ rủi ro. Đối tượng của hợp đồng bảo hiểm (HĐBH) là những đối tượng chịu ảnh hưởng trực tiếp từ rủi ro và có quyền được bảo hiểm khi sự kiện bảo hiểm xảy ra. Điều đó cho thấy, những hiểu biết về rủi ro là căn cứ chủ yếu để các bên cân nhắc, tính toán lợi ích và thể hiện ý chí của mình về việc có tham gia hợp đồng hay không, nếu tham gia thì ở mức độ nào, mức phí bảo hiểm ra sao và các điều kiện bảo hiểm cụ thể là gì. Hiểu theo cách khác, nhận thức về rủi ro được coi là “điểm nút”2 trong quan hệ ý chí giữa các chủ thể tham gia HĐBH. Là điểm nút của quan hệ nhưng rủi ro lại không phải là yếu tố được định hình rõ ràng như đối tượng của các loại hợp đồng thông thường khác mà chỉ có thể được suy đoán một cách gián tiếp thông qua những thông tin liên quan do mỗi bên cung cấp. Điều này tiềm ẩn nguy cơ dẫn đến phát sinh tranh chấp khi các bên có cách hiểu khác nhau về những rủi ro đó. Nguy cơ này hiển hiện khi đặc thù quan hệ bảo hiểm là sự bất cân xứng về dòng thông tin giúp đánh giá và dự đoán rủi ro. Bài viết làm rõ một số quy định của Luật Kinh doanh bảo hiểm (KDBH) năm 2022 về nghĩa vụ cung cấp thông tin của các bên trong giao kết HĐBH, liên hệ với thực tiễn để chỉ ra một số vướng mắc, bất cập, từ đó tác giả đề xuất kiến nghị hoàn thiện

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