我国《保险法》不可争辩条款制度:问题与对策

On Incontestable Clause Of the Insurance Law of China: Problems and Countermeasures

不可争辩条款制度通过约束保险公司撤销保险合同的权利,强化保障保险消费者的保险合同权利,但同时也可能诱发保险消费者的道德风险。本文重点围绕我国保险法关于不可争辩条款制度的规定,结合他国立法例,论述我国不可争辩条款制度存在的问题,提出了完善该制度的建议。

Incontestable clause constraints the right of insurance companies to revoke the insurance contract, and strengthen the protection of insurance consumer＇ s right, but it may also induce moral hazard of insurance consumers. This paper focused on the incontestable clause system of the Insurance Law of China, and looked into some related cases of other countries. It discussed the Chinese system＇ s existing problems and putt forward recommendations to improve on it.