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2009年2月28日,《保险法》修正案获得通过,并于2009年10月1日正式生效。其亮点之一便是引入了“不可抗辩条款”。该条款的引入,剑指制约中国保险业健康发展的最大障碍——“理赔难”问题,对于防止保险人滥权、保护被保险人及受益人的合理期待具有重要意义,同时也为规范保险业,促进保险业又好又快发展奠定了坚实基础。但新《保险法》关于不可抗辩条款的规定仍存在明显不足。本文拟通过对新《保险法》中不可抗辩条款分析,建议在出台《保险法》司法解释二时:明确适用不可抗辩条款的条件为保险事故发生于2年可抗辩期之外;将保险诈骗、保险欺诈作为不可抗辩条款的例外情形。
On February 28, 2009, the “Insurance Law” amendment was passed and came into effect on October 1, 2009. One of the highlights is the introduction of “indefensible clause.” The introduction of this article means that it is of great significance to prevent the insurer from abusing its power and protecting the reasonable expectation of the insured and the beneficiaries, which restricts the healthy development of the insurance industry in China. Standardize the insurance industry, and promote sound and rapid development of the insurance industry has laid a solid foundation. However, the provisions of the new “Insurance Law” on irrefutable clauses still have obvious deficiencies. This article intends to pass the analysis of the irresistible clause in the new “Insurance Law”, and suggests that when the judicial interpretation of “Insurance Law” is issued at two o’clock, the condition of applying the incontestable clause is that the insurance accident occurs beyond the 2-year defensive period; and insurance fraud, insurance Fraud as an exception to the irrefutable clause.