浅议免责条款及其成立要件——兼谈最高法院法(经)复〔1986〕第38号批复的错误

• 作 者: 李景辉
• 机 构: 法律业大甘肃分校,
• 出 处: 法律适用
• 发表日期: 2004年期
• 关键词: 免责条款 成立要件 保险合同 故意行为 民法通则 显失公平 承揽人 赔偿损失 重大过失 犯罪行为

现实生活中,存在着大量的免责条款,如某些商店和个体工商户在其柜台上醒目地标明“货物出门,概不退换”,银行付款柜台前写着“点清钱款,离柜后概不负责”,保险合同中的“由于被保险人自杀、犯罪行为或由于被保险人、投保人、受益人的故意行为所致残废或死亡者,保险人不负死亡或伤残给付责任”.所有这些条款都是免责条款.免责条款就是指当事人双方在合同中事先约定的,目的在于限制或免除其未来责任的合

In real life, there are a lot of disclaimers, such as some shops and individual industrial and commercial households prominently marked on the counter, “the goods go out, will not be returned,” said the bank before the payment counter “ Shall not be held responsible ”and the insurer shall not be liable for death or disability due to the insured person committing suicide, criminal act or disability or death due to the willful act of the insured, policy holder or beneficiary in the insurance contract" All these terms and conditions are disclaimers and the terms of the disclaimers mean that both parties have agreed in advance in the contract that the intention is to limit or waive their future liability