本文依据修订后的《中华人民共和国保险法》第十六条的规定,结合保险从业的实务经验,分析不可抗辩条款中关于“2年期间”的法律性质,并指出该条款在实践中所面临的问题如适用范围的模糊性,操作性不强等,针对于此提出一些拙见并对该条款进行重新设计,予以完善不可抗辩条款。 Based on the revised Article 16 of the Insurance Law of the People’s Republic of China and the practical experience of insurance practitioners, this article analyzes the legal nature of the “unsubiable clauses” concerning the “2-year period” and points out that in practice Problems such as the ambiguity of the scope of application, operability is not strong, in view of this humble opinion and the re-design of the article, to improve the irrefutable clause.