保险法中自杀免责条款一直是学界热议的话题,而在实践理赔过程中,被保险人自杀成了保险人免责的挡箭牌,自杀被保险人一律拒之于理赔之门外。从法理上说,被保险人自杀是否一律成为保险人的免责事由以及保险人对被保险人的自杀应否承担保险责任,本文拟围绕这两个问题略作浅析。 Insurance Act suicide exemption clauses has been hot topic in academic circles, and in the process of practice claims, the insured suicide has become a shield from the insurer, suicide insured are excluded from the claims outside. From a legal point of view, whether the insured suicide will always be the exemption of insurers and whether the insurers should bear the insurance responsibility for the suicide of the insured, this paper will be based on a brief analysis of these two issues.