Impactos da súmula 609 do STJ sobre a contratação do seguro de vida no caso de doença preexistente

Resumo

This study analyses the treatment of preexisting disease in the hiring of life insurance under the perspective of the STJ Precedent 609, which conditions the validity of an insurer’s refusal to provide coverage on either the prior requirement of medical examinations or proof of bad faith of the insured. The research employed a mixed methodology, combining a detailed analysis of the twelve precedents that served as the basis for the issuance of the aforementioned Precedent with qualitative interviews conducted with representatives of insurance companies operating in the life insurance market. The findings demonstrate that, in the practical application of the Precedent, although its wording suggests alternative criteria — prior medical examinations or proof of bad faith — the judiciary has effectively required the cumulative fulfillment of both conditions. This interpretative approach has led to a relativization of the principles of objective good faith and the duty of disclosure incumbent upon the applicant, while simultaneously elevating the requirement of prior medical examinations to a nearly insurmountable barrier to the lawful denial of insurance coverage. The study concludes that the issuance of STJ Precedent 609 has not succeed in settling the legal controversies surrounding the issue, as the improper socialization of losses continues to persist, contributing to higher claims ratios, burdening the mutual risk pool, and ultimately constraining the expansion of life insurance as an effective instrument of social protection in Brazil.

Ficha do documento

Tipo

Dissertação

Ano

2024

Instituição

Fundação Getulio Vargas

Fonte

Repositório da FGV

Idioma

Português

Acesso

Acesso aberto

Identificador

oai:repositorio.fgv.br:10438/38528

Palavras-chave

Doença preexistenteSeguro de vidaSúmula 609 do STJBoa-fé objetivaDever de informaçãoPreexisting diseaseLife insuranceSTJ Precedent 609Objective good faithDuty of disclosure informationDireitoBrasil. Superior Tribunal de Justiça - SúmulasSeguros - LegislaçãoBoa-fé (Direito)