新保险法引入不可抗辩条款的作用与不足

The Function and Deficiency of New Insurance Law Leading into Incontestable Clause

许多保险业发达的国家都采用不可抗辩条款,其目的在于维护保险消费者的合法权益。我国新修订的《保险法》也加入了不可抗辩条款的内容,该项内容有利于维护投保人、被保险人的利益,保障保险市场健康、有序地发展。但其在内容的制定上仍然存在不足,值得反思。

Many countries,which have developed insurance industry,have adopted non-defense provision.The purpose is to safeguard the legitimate rights of insurance consumers.＂Insurance Law＂ in China,revised newly,has also joined the term of non-defense.This term is propitious to safeguard the interests of the policy-holders and the insurants,and ensures that the insurance market will develop healthily and orderly.However,the formulation of its content is still inadequate,and is worth reflection.