免除保险人责任的条款法律效力探究——基于格式保险条款的分析

Study on Legal Effect of Exclusions Clauses——Based on Analysis of Standard insurance clauses

格式保险条款中存在着大量"免除保险人责任的条款",这类条款数量众多又晦涩难懂,没有专业保险人士的提醒和解释说明,作为普通的保险消费者很难了解这些条款的概念、内容和法律后果,因此,为了平衡保险人与投保人、被保险人之间的关系,《保险法》专门规定了"免除保险人责任的条款"的订入规则,并进一步规制其法律效力。由此可见,梳理《保险法》关于"免除保险人责任的条款"的法律规定,并对"免除保险人责任的条款"的法律效力进行探究是十分必要的。

There one a number of exclusions in standard insurance clauses. Due to many terms writtenm unintelligible words, it is difficult for insurance consumer to understand the concepts the content and the legal consequences of these exclusions uithout professional agents, In order to balance the professional ability of the insurer and the insured, Insurance Law sets up special rules for the exclusions. Therefore, it is necessary to comb the law regulation on exclusions in Insurance Law and explore the legal validity of exclusions.