不可抗辩条款

不可抗辩条款不具有法律效力

The Incontestable Clause Does Not Have Law Effect

我国保险法中不可抗辩条款的规定只有不断的得以完善才能促进我国保险业的健康和快速发展。

The rule of the incontestable clause in our insurance law only by constantly to perfect can promote the health and rapid development of the insurance industry .

评新《保险法》新增不可抗辩条款的修法价值与建议

Remark and Proposal on the Incontestable Clause in New Insurance Law

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

论保险法上的不可抗辩条款及其修订

On The Incontestable Articles Of Insurance Law And Their Revision

不可抗辩条款之不争期间性质辨析

Analysis of the Nature of " Indisputable Period " in Incontestable Clause

不可抗辩条款在我国寿险合同中的应用

The Application of the Incontestable Clause in Our Country 's Life Insurance Contract

第二章介绍了域外不可抗辩条款的现状和例外情形。

The second chapter introduced the status and exceptions of the incontestable clause in other countries .

论人身保险的不可抗辩条款

Incontestable clause of life insurance

此外，本文紧密结合当前保险市场实际，对于不可抗辩条款立法后可能产生的影响进行了大量分析，具有一些参考价值。

In addition , the analysis of incontestable clause in current insurance market , has some reference value .

不可抗辩条款最早出现在英国，发展成熟也是在英美法系国家。

Cannot contradictory clause first appeared in Britain , development mature is in countries of Anglo-American law system .

对设立不可抗辩条款所要求的信用环境以及保险人自身、保险中介、代理人制度等方面所需要解决的问题也分别论述。

Last the paper discusses the problems with the introduction of in constable clause about credit environment , insurers , agency and attorney .

第四部分不可抗辩条款的立法完善，着眼于我国《保险法》对不可抗辩条款的规定，找出其不足，提出完善建议。

Being established in the rules to incontestable clause of The Insurance Law of China , to find out the shortage and raise perfect proposal .

对推进中国加速引用不可抗辩条款有积极意义，对研究保险的学者也会有一定的参考价值。

The paper will have long-standing meaning to advance citing incontestable clause post , and will also have definite reference value to the scholars who investigate insurance .

新《保险法》中免责条款明确告知的规定、不可抗辩条款的出台、理赔时效的限定，给寿险公司带来死差损和费差损风险。

The introduction of incontestable clause , exclusions clause and the limited regulation about settlement of claims may bring risk of mortality loss and fee loss to life insurance company .

不可抗辩条款还体现了对信赖利益保护的原则，使得被保险人和受益人对于保险合同的期待利益和信赖利益更加稳定。

Incontestable clause also embodies the principle of reliance protection , which makes the expectation interest and reliance interest to the insurance contract of the Insurant and beneficiary more stable .

紧接着第三章结合前述的理论分析，对我国保险法中的不可抗辩条款进行客观的评析，指出其实质和适用形式上的不足，以及适用中所面临的现实问题。

The third chapter , combining the theory analysis , pointed out the deficiency of its essence and the application form , as well as the realistic problems of the application .

虽然《保险法》引进了不可抗辩条款，对告知义务的免除有了一定规定，但是该规定与英美法系较为完善的免除制度相比尚有不足，缺少弃权和禁止反言的适用。

Insurance Act introduces the terms of non-defense , but compared to the exemption provisions of common law systems , which is still lack of the application of waiver and estoppel .

不可抗辩条款有其内存的法理基础，其中信赖利益的保护、信息不对称、如实告知义务这些理论共同从深层次构筑了不可抗辩条款存在的依据。

Incontestable clause has its internal legal basis , the theories of protection of trusty interest , information asymmetry and truthfully inform obligation together deeply formed existing basis of the incontestable clause .

因美国各州对保险立法的不同，以及每一份保险合同的差异，导致因两个日期不同如何适用不可抗辩条款的认识不统一。

Due to the different insurance legislation in states of the United State , and each insurance contract differences , there is no uniform viewpoint on how to apply the contest time .

第二章详细阐述了最大诚信原则在保险合同中的体现。本章主要阐述了该原则下产生的四项主要制度&告知义务、说明义务、不可抗辩条款、弃权和禁反言。

Chapter two expounds embodiments , in insurance contract , of the utmost good faith in detail , including 4 systems & disclosure , notification , incontestable clause , waiver and promissory estoppel .

同时，论文结合国内外有关不可抗辩条款的实务案例，对该条款在我国实践适用时存在的问题，进行重点梳理分析。

At the same time , papers related to domestic and foreign practice cases of incontestable clause , applicable to this provision in practice in China if there is a problem , focused analysis of the carding .

但是，实务界乃至学术界对于不可抗辩条款的认识还存有偏差，可能引发在司法适用上的不同理解和采用不同标准判案。

However , there still are some defects on the understanding to the incontestable clause between the practical field and even the academia , which may cause different understanding and judgment using different standards in judicial application .

不可抗辩条款具有法律强制适用的性质，即使保险人并未将该条款纳入保险合同内容，法律也强制使该条款成为合同内容的一部分，具有适用的普遍性。

The incontestable clause is compulsorily applicable that even the insurer does not bring this clause into the contest of the insurance contract , the law will also make it become a part of the contract applicable universally .

所谓不可抗辩条款，是指保险合同成立一段时间后，保险人不得以投保人违反重要事实告知义务为由拒绝给付保险金或取消保险合同。

Alleged cannot contradictory clause , be after showing insurance contract establishs period of time , the underwriter must not disobey important fact to inform with policy-holder reject to pay insurance gold or cancel insurance contract for obligation .

因团体保险中成员资格引起的诉讼，传统认为属于承保范围，不可抗辩条款对此不能适用，但有案例认可适用不可抗辩条款。

The litigation caused by the membership in group insurance , which in the traditional view belong to the scope of insurance coverage , incontestable clause can not apply . But there are case has be recognized by the clause .

第一章首先阐述了不可抗辩条款的涵义，回顾了其发展历史，进一步从理论依据出发，分析研究了该条款的立法目的和价值。

The first chapter elaborated the meaning of the incontestable clause . In this chapter , I analyzed the legislative purpose and value of the terms by reviewing the history of its development , which was theoretical basis for this paper .

本文的最后一章在全面梳理相关理论的基础上，对我国不可抗辩条款的完善提出个人的建议和意见，以期对我国保险业健康有序的发展有所助益。

The last chapter of the paper was my personal suggestions and views to complete the incontestable clause in China on the basis of the theory . I wished it could be helpful to the development of the insurance industry healthily and orderly .

为深入研究不可抗辩规则，首先应从其起源进行研究，历数不可抗辩条款的发展历程及各国实践，不可抗辩规则兼顾了保险合同双方当事人的利益。

Enumerating the terms of the development process of incontestable articles and national practice , the rules taking into account the interests of both the insurance contract parties .