不可抗辩条款是否适用于投保欺诈,在理论上是一直有争论的问题,在司法审判中也出现了同案不同判的现象。本文试图在分析不可抗辩条款的演变和理论基础之上,借鉴国外立法例,探寻在投保欺诈情形下立法是否应该赋予保险人寻找救济的途径。 Whether the irresistible clause is applicable to insuring fraud is a controversial issue in theory. In the judicial trial, there are also cases where different clauses are adjudicated. This article attempts to analyze the evolution and theoretical basis of the irrefutable provisions, learn from foreign legislation, and explore whether the legislation should give the insurer a way to seek relief in the case of insurance fraud.