论不可抗辩条款之适用——以我国《保险法》第16条第3款的规定为视角

On the application of the non - defense provisions

不可抗辩条款之适用范围,应从保险合同的期限、保险合同解除后双方重新缔约选择权以及纠纷解决之程序正义这三方面加以考量。因此,不可抗辩条款应仅适用于人寿保险合同和长期健康保险合同。但是,我国2009年修改后的《保险法》将不可抗辩条款适用于所有保险合同不合理,应做出相应的修改。

About the application of the non - defense provisions, we should study the period of insurance contract, contracting the choice right after lifting the insurance contract and the process of solving the disputes. In insurance Law revised in 2009 ,it is applied to all insurance contracts. I think it is unreasonable and should be revised again.