New Year's Insurance Contract Changes to “Obligation of Notification”

새해에는 정부와 국회가 상법 개정을 통해 보험계약자의 ‘자발적 고지의무’를 ‘응답적

고지의무’로 바꾼다.

In the new year, the government and the National Assembly change the

“voluntary notification obligation” of policyholders to “response notification

obligation” through amendments to the Commercial Law.

이로써 보험계약자가 보험사의 서면 질문에 모두 답변할 경우 별도의 ‘자진신고’ 없이 고지

의무를 성실히 이행한 것으로 간주하게 된다.

Accordingly, if the policyholder answers all written questions from the insurance

company, it is considered to have faithfully fulfilled the notification obligation without

a separate “voluntary report”.

보험계약 고지의무와 관련, 최근 법원은 보험계약 당시 위염치료를 받은 사실을 알리지

않았다는 이유로 위암치료비 지급을 거부한 H보험이 강모씨를 상대로 낸 채무부존재

확인소송에서 원고패소 판결을 했다．

Regarding the obligation to notify in the insurance contract, the court recently

ruled against the plaintiff in a lawsuit to confirm the absence of a debt against Kang by

H Insurance, which refused to pay gastric cancer treatment fees because he did not

inform that he received gastritis treatment at the time of the insurance contract.

재판부는 판결문에서 “강씨가 보험계약서에 위염을 앓았던 사실을 기재하지 않은 점은

인정된다”며 “그러나 가입자가 보험계약 전에 이틀동안 치료받은 경미한 병까지

보험회사에 일일이 알릴 의무는 없다”고 밝혔다．

The judge said in the ruling, “It is admitted that Mr. Kang did not include the fact that

he suffered from gastritis in the insurance contract. However, there is no obligation

to notify the insurance company of the minor illness that the subscriber was treated

for two days before the insurance contract.”