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对保险法司法解释二第八条前半段未解除保险合同不得直接拒赔的规定的理解,应体现保险法第十六条蕴含的最大诚信与利益平衡目的。认为解释第八条前半段不解除不得拒赔的规定适用十六条第三款规定的所有情形,将使《保险法》第十六条第三款后半段以及第四、五款保险人拒绝赔偿权的规定成为具文。主张可以选择适用保险合同解除权与撤销权来解决超过二年不可抗辩的客观期限问题,将使保险法第十六条第三款限制保险人解除权的规定虚置。因保险受益人故意拖延不报保险事故超过二年解除不可抗辩期间的,保险人可以适用合同法第四十五条附解除条件合同的规定,主张对方为自己的利益不正当阻止条件成就,合同失效。
The interpretation of the provisions of the first half of Article 8 of the Insurance Law Judicial Interpretation II that an insurance contract can not be directly refuted should not only reflect the balance of the utmost good faith and interests contained in Article 16 of the Insurance Law. That the interpretation of the first half of Article VIII of the provisions can not be disallowed to apply the provisions of Article 16 of the third paragraph of all the circumstances will make the “Insurance Law” the second half of paragraph 3 of Article XVI and fourth, five insurer refused The provisions of the right to compensation become an instrument. Advocating for the option of applying the right of cancellation and withdrawal of insurance contracts to solve the unreasonable objective deadline of more than two years will make the provisions of the third paragraph of Article 16 of the Insurance Law that limit the rights of the insurer to be invalid. Because the insured beneficiaries deliberately delay not declaring the insurance accident for more than two years to lift the irrefutable period, the insurer may apply the provisions of Article 45 of the Contract Law to dismiss the conditional contract, arguing that the other party for their own interests improperly prevent the conditional achievement and the contract Failure.