论《保险法》修改中“不可抗辩条款”的欺诈例外机制

Exceptional rule of the fraud from incontestable clause in the modification of the Insurance Law

不可抗辩条款从期限上限制了保险人因投保人如实告知上的瑕疵而解除保险合同的权利,该规则已为绝大部分国家的寿险业所采纳。在本次《保险法》修改过程中,要求完全引入该规则的呼声愈来愈高。然而,对于不可抗辩规则的欺诈例外问题,研究和关注程度不够。完善的不可抗辩规则,既要维护保险客户的合法权利,又要最大限度地避免逆选择和道德风险,本身就包含欺诈例外的要求。

The incontestable clause in life-lnsurance policy restricts the underwriters from lifting the policy from time period perspective in excuse of the insured＇s flaw in truthful statement, and this rule has been adopted by the underwriters in most countries, In the course of revising the Insurance Law of China this year, there are more and more appeals to introduce the incontestable clause to Chinese Insurance Law. However, there is not enough research on the exceptional rule of the fraud from the incontestable clause. A well-structured incontestable rule embodies the exception of the fraud, and it should both protect the interest of the insured and prevent adverse selection and risk of moral hazard to the maximum extent possible.