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我国2009年修订的《保险法》在吸收借鉴发达国家和地区保险法的先进规定和惯例的基础上增加规定了不可抗辩条款。客观而言,引入该条款对于规范保险人的行业经营行为、限制保险人行使合同解除权、维护被保险人的利益、维持保险合同效力的稳定,以及推动我国保险业的健康发展都有着非常重要的意义。但是还应该看到,由于我国保险法对不可抗辩条款的规定过于粗漏和简单,需要我们对其在司法实践中适用时存在的问题予以明确。
The “Insurance Law” revised in 2009 in our country has added provisions that stipulate irrefutability clauses based on absorbing the advanced rules and practices of insurance laws in developed countries and regions. Objectively speaking, it is very important to introduce this clause to standardize the insurer’s business operation, limit the insurer’s exercise of the right of rescission, safeguard the interests of the insured, maintain the stability of the insured contract, and promote the healthy development of the insurance industry in our country Meaning. However, we should also see that because the provisions of the Insurance Law on the indefensible articles are too drastic and simple, we need to make clear our existing problems in the judicial practice.