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No. 2 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Tian [REDACTED] & Ran [REDACTED] v. [REDACTED] Insurance Company — Rescission of an insurance contract and insurer's denial of compensation (Personal insurance contract dispute)
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最高人民法院公布三起保险合同纠纷典型案例之二：田某、冉某诉某保险公司人身保险合同纠纷案——保险合同解除与保险人拒赔
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【法宝引证码】
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| No. 2 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Tian [REDACTED] & Ran [REDACTED] v. [REDACTED] Insurance Company (Personal insurance contract dispute) | | 最高人民法院公布三起保险合同纠纷典型案例之二：田某、冉某诉某保险公司人身保险合同纠纷案 |
| —Rescission of an insurance contract and insurer's denial of compensation | | ——保险合同解除与保险人拒赔 |
| [Key Points] | | 【要点提示】 |
| An insurer loses the right to rescind an insurance contract when it does not rescind the contract within the statutory period. Where the insurer denies compensation on the ground that the insurance applicant has failed to fulfill the duty of honest disclosure, the people's court should not support the denial. | | 保险人未在法定期间内解除合同，丧失保险合同解除权。保险人以投保人违反如实告知义务为由拒绝赔偿的，人民法院不予支持。 |
| Applicable provisions in Interpretation II: Article 8: Where an insurer does not exercise its right to rescind a contract, and directly denies compensation on the ground that there exists any of the circumstances as prescribed in paragraphs 4 and 5 of Article 16 of the Insurance Law, the people's court should not support the denial, unless the parties have otherwise agreed on the denial of compensation and the continual existence of the insurance contract. | | 《解释（二）》涉及条款：第八条保险人未行使合同解除权，直接以存在保险法第十六条第四款、第五款规定的情形为由拒绝赔偿的，人民法院不予支持。但当事人就拒绝赔偿事宜及保险合同存续另行达成一致的情况除外。 |
| [Brief Facts] | | 【简要案情】 |
| ．．．．．． | | ．．．．．． |
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