评新《保险法》新增不可抗辩条款的修法价值与建议

Remark and Proposal on the Incontestable Clause in New Insurance Law

2009年2月28日,新《保险法》颁布,其引入了不可抗辩条款。这一条款不仅能够规范保险人行为,保护投保方利益,更能适应国际惯例,提高我国保险人的竞争能力,迎接外资保险的挑战。本文回顾了不可抗辩条款的历史进程,并对其修法价值进行了陈述,最后立足国情,对不可抗辩条款在实际操作中提出了一些的建议。

February 28, 2009, the new ＂Insurance Law＂ enacted, and incontestable clause be introduced, this provision will not only be able to regulate insurers and protect the interests of the insured party, but also to adapt to international practices, improve the competitiveness of insurers to meet the challenges of foreign insurance companies o The paper can not be recalled the historical process of incontestable clause, and statements the value of amending the law o Finally, based on our national conditions, the paper made a number of recommendations about incontestable clause in actual operation.