论文部分内容阅读
2009年修订后的保险法进一步完善了保险人不承担给付责任的法定免责条款,包括第43条因故意而免责、第44条自杀条款以及第45条因违反法律精神而免责。“偶然性”是判定保险人是否给付保险金的标准,维护公共利益和社会公平正义是立法原则,但是这三项条款内容对于免责条件界定较宽,并且有偏向保险人利益、剥夺无辜第三人权益之嫌。本文以这三项条款为基础,对保险人法定免责事由进行分析,并提出相应完善建议。
The revised insurance law of 2009 further perfected statutory disclaimers that the insurer did not assume liability to pay, including the fact that section 43 was omitted on purpose, the section 44 suicide clauses and section 45 were disclaimed for breach of the spirit of the law. “Contingency ” is the standard to determine whether the insurer pays the insurance money. It is the legislative principle to safeguard the public interest and social fairness and justice. However, these three clauses contain a broader definition of the exclusionary clause and bias the interests of the insurer and deprive the innocent Suspicion of the three rights. Based on these three articles, this article analyzes the statutory exemption of insurers and puts forward corresponding suggestions.