防疫保險與情事變更原則【本期企劃】 試閱
Pandemic Insurance and Principle of Change of Circumstances
2022年第二季因臺灣新冠肺炎疫情的升高，使得銷售防疫保險的保險公司承受極大的理賠壓力，甚至導致必須增資才能因應理賠責任的結果。即便如此，由於疫情的變化並不是不可預見，而且按契約約定給付保險金，也不至於顯失公平，所以主張適用民法第227條之2來允許保險人變更契約內容或終止契約的觀點，是不具說服力的。
With the rising of Coronavirus disease (COVID-19) pandemic in the second quarter of 2022 in Taiwan, insurance companies who sell COVID-19 insurance suffer high pressure because of the insurance claims. Moreover, there are a few companies need to increase investment to deal with the problem of excessive insurance claims. Even so, since changes in the epidemic are not unforeseeable, and to pay the insurance claims according to the contract is not clearly unconscionable. Therefore, the argument that Article 227-2 of the Civil Code should allow insurers to change or terminate the contract is not convincing.
016-025
