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近年来,人民生活水平越来越高,对危机的认识也越来越深刻。人们不约而同选择了保险作为一种稳定的投资方式,认为保险是一种最为安全的理财方式。但是,现实中的案例告诉我们并不都是这样的。实践中,保险合同双方当事人对保险人责任人免除条款产生争议进而引发诉讼的现象频频发生。一、保险免责条款①与保险人与被保险人的利益冲突(一)几种主要保险免责条款的表现1.告知义务违反的免责条款保险合同是最大诚信合同,投保人应当履行告知义务,投保人违反如实告知义务保险人可以此抗辩免责。违反如实告知义
In recent years, people’s living standards have become higher and higher, and their understanding of the crisis has also deepened. People invariably chose insurance as a stable way of investing, thinking that insurance is one of the safest ways to manage money. However, the real cases tell us that not all are like this. In practice, the phenomenon that the parties to the insurance contract dispute the exemption of the insurer ’s person in charge causes litigation frequently. First, the insurance disclaimers ① with the insurer and the insured interest conflicts (a) several major insurance disclaimer of the performance of 1. breach of contract obligations breach of contract insurance contract is the largest contract of good faith, the insured should fulfill the obligation to inform and insure The person violates the obligation of truthfully informing the insurer to be exempt from this defense. Violation of truthfully informed