防疫保單有「道」乎?【醫事法學教室】   試閱

Are Epidemic Prevention Policies Full of Moral Hazards?

卓俊雄

為避免被保險人之道德危險，我國保險契約明定：「保險公司對因被保險人之故意行為所發生之賠償責任，不負賠償之責。」本文認為被保險人之重大過失行為與故意並不相同。至於，故意行為得在不違反公序良俗之前提下，於保險契約中約定為可保危險。

Due to avoidance of insured’s moral hazard, the requirement of accidental and insurance, loss is necessary. However, this paper analyzes the essences of liability insurance, the loss caused by insured’s gross negligence should be covered by insurer, and an intentional act can also be covered if without violating the public order and morality.

122-127

保險契約解釋、故意行為、重大過失、新冠肺炎、道德危險、insurance contract explanation、intentional act、gross negligence、COVID-19、moral hazard

月旦醫事法報告

202106 (56期)

元照出版公司

10.3966/241553062021060056009  複製DOI  DOI查詢

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