保险危险增加通知义务之法效重构

摘要

The key to discussing the notice obligation of the increased danger is to clarify the legal effect. When the obligor appro-priately performs, the underwriter enjoys the rights to increase premiums to maintain the contract or directly terminate the contract, but there exists the sequence of distinction of the exercise. When the obligor inappropriately performs, whether the insurance accident hap-pens or not, the increased risk is insurable and blamed or not should be distinguished. Under the condition, non-cause-result relation-ship, cause-result relationship and proportional compensation should be appropriately introduced to reconstruct the legal effect to ratio-nally guide the obligor to deal with the increased risk in a suitable processing pattern.%探讨危险增加通知义务之关键在于厘清其法律效果。义务人适当履行时，保险人享有增加保费维持合同或直接解除合同之权利，但两者之间应存在行使顺位之区分。不适当履行时，应区分保险事故发生与否以及危险增加之可保性与可归责性，适当引入非因果关系、因果关系、比例赔偿等理论予以法效重构，以合理引导义务人对于危险增加之处理模式。