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不可抗辩条款规定,自合同成立之日或合同复效之日起,经过一定时间(大多数为二年或三年),保险合同成为不可争议的文件。此后保险人不得再以投保人在申请投保时或申请复效时违反告知义务而主张合同无效。这个条款是为保护投保人的利益而设定的。因为寿险合同是长期性的,保险人不宜在合同长期持续期间始终拥有对合同的解除权,否则将影响投保人的正当权益。因此有必要设立不可抗辩条款,对解除权的规定作出时间上的限制。 和大多数的保险条款相同,不可抗辩条款
Irreconcilable provisions of the contract from the date of the establishment of the contract or the date of the contract, after a certain period of time (most of two years or three years), insurance contracts become indisputable documents. Thereafter, the insurer may no longer claim the contract as invalid when the applicant inspects the application for insurance or violates the obligation of disclosure when applying for the reinstatement. This clause is designed to protect the interests of policyholders. Because the life insurance contract is long-term, it is inappropriate for the insurer to always have the right to terminate the contract during the long term of the contract, otherwise the legitimate rights and interests of the policy holder will be affected. Therefore, it is necessary to set up an irrefutable clause to make the time limit on the provisions of the right of cancellation. And most of the same insurance clause, irrefutable clause