允諾特約條款風險管理機能之再認識New Perspectives on Risk Management Functions of Promissory Warranties

摘要
　　本文以風險管理角度重新思考允諾特約條款所具之獨特機能及特殊之成本結構。詳言之，本文從風險管理學理角度出發，肯定允諾特約條款具有組合風險管理工具藉以精緻化風險管理模式之機能。其次，透過前揭風險管理成本結構分析，可知運用此兩種制度將各自產生不同的成本要素，孰優孰劣尚無法斷然二分。惟倘若要保人或被保險人可以較低之風險管理成本履行允諾事項時，則較適於採行此等制度管理風險，藉以免除不必要之探求成本。
關鍵字：特約條款、危險增加通知義務、重組風險管理機能、特約條款風險管理成本結構
Abstract
　　This study rethinks the unique risk management functions and cost structure of promissory warranties in Insurance Act of Taiwan, and provides several new perspectives on promissory warranties having been ignored so far. In particular, by means of theories of risk management, the paper illustrates that promissory warranties are capable of reorganizing risk management tools as well as making these portfolios more efficient. Also, based upon analysis of cost structure, nobody could arbitrarily determine that either promissory warranties or risk alteration is a better system, for each system will generate distinctive costs, whose amount varies case by case.
Keywords: promissory warranties, reorganizing risk management tools, risk management cost structure of special provisions