保险免责条款的应用研究——兼评被保险人故意行为

An Application Study on the Insurance Exemption Clauses——Commenting on the Intentional Actions of the Insured

保险合同免责条款的法律适用是司法实践中保险公司惯用的技术性抗辩规则,保险免责条款的解释与运用已是实务与理论中颇具争议的法律问题。文章拟结合实务裁判和现行理论就保险免责条款的应用提出些许建议和意见以澄清和确认保险免责条款的适用规则。

The legal application of the exemption clause of insurance contract is a technical defense rule used by the insurers in judicial practice.The interpretation and application of the insurance exemption clause is a controversial legal issue in practice and theory.Some suggestions and advice are proposed on the application of the insurance exemption clause to clarify and confirm its legal rules of application.