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对我国保险法上不可抗辩条款适用问题的研究,应围绕不可抗辩条款的适用范围、与告知义务制度价值冲突的协调、在合同复效制度中的适用、例外情况的研究等问题而展开。不可抗辩条款适用保险类型的理论依据、如何协调与告知义务制度价值冲突问题、复效后保险合同的性质问题、申请复效时告知义务的理论依据、如何在合同复效制度中适用不可抗辩条款以及对不可抗辩条款例外情况的应然分析是不可抗辩条款在实际适用中会遇到且必须要解决的问题。
The research on the application of the irreducible clauses in the insurance law of our country should focus on such issues as the application scope of the irrefutable clauses, the coordination of the value conflict of the obligation system and the application in the contract reinstatement system, and the research on the exception. How to apply the theory of insurance type, how to coordinate the value conflict of obligation system, the nature of insurance contract after revalidation, the theoretical basis of obligation when applying for revalidation, how to apply the irreducible clause in the contract revalidation system As well as the unanimous analysis of the unscrupulous clause exception should be confronted and must be solved in the practical application of irrefutable clause.