摘要
保障被保险人、受益人利益是不可抗辩条款价值嬗变的价值目标和发展趋势;对保险人合同解除权、拒赔权的限制和保障被保险人、受益人利益是不可抗辩条款的实质;以诚实信用原则和公平原则为基础,以对保险人和投保方之间的利益及保险业和社会整体利益进行衡平为手段,以保障被保险人、受益人利益为价值目标,是不可抗辩条款的法理基础。
Protecting the interests of the insured and beneficiary are the value targets and development trends of the value evolution of the incontestable clause. To impose restrictions on reeission right of contract and right of repudiation, and protect the insured and beneficiary are the essence of the incontestable clause. The legal basis of incontestable clause takes the principle of good faith and the principle of justice as the foundations, with the method of balancing interest between insured and insurance applicant, insurance industry and the whole society,to achieve the value target of protecting the interest of the insured and beneficiary.
出处
《湖南警察学院学报》
2014年第5期51-56,共6页
Journal of Hunan Police Academy
关键词
不可抗辩条款
保险合同解除权
拒赔权
诚实信用原则
公平原则
incontestable clause
recission right of contract
repudiation right
principle of good faith
principle of justice
