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2009年2月28日,新《保险法》修订案获得通过,其最大亮点是引入了“不可抗辩条款”。这一条款的引入,意味着我国保险业迈上了新的台阶,这不仅能保护投保人利益,更能规范保险业,提高我国保险行业的竞争力,但不可抗辩条款在实施的过程中也存在很多问题。本文对“不可抗辩条款”的修法价值进行了探讨,分析了新《保险法》引入的“不可抗辩条款”存在的问题,并提出了一些建议。
February 28, 2009, the new “Insurance Law” amendment was passed, the biggest bright spot is the introduction of “irreducible clause ”. The introduction of this clause means that China’s insurance industry has taken a new stage. This not only protects the interests of policyholders, but also regulates the insurance industry and the competitiveness of China’s insurance industry. However, irrefutability clause in the implementation process There are many problems. This article discusses the value of the “unscrupulous clauses” and analyzes the problems existing in the “unspeakable clauses” introduced by the new “Insurance Law” and puts forward some suggestions.