湖南警察学院学报
湖南警察學院學報
호남경찰학원학보
JOURNAL OF HUNAN PUBLIC ACDEMY
2014年
5期
51-56
,共6页
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
不可抗辯條款%保險閤同解除權%拒賠權%誠實信用原則%公平原則
불가항변조관%보험합동해제권%거배권%성실신용원칙%공평원칙
incontestable clause%recission right of contract%repudiation right%principle of good faith%principle of justice
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。
保障被保險人、受益人利益是不可抗辯條款價值嬗變的價值目標和髮展趨勢；對保險人閤同解除權、拒賠權的限製和保障被保險人、受益人利益是不可抗辯條款的實質；以誠實信用原則和公平原則為基礎，以對保險人和投保方之間的利益及保險業和社會整體利益進行衡平為手段，以保障被保險人、受益人利益為價值目標，是不可抗辯條款的法理基礎。
보장피보험인、수익인이익시불가항변조관개치선변적개치목표화발전추세；대보험인합동해제권、거배권적한제화보장피보험인、수익인이익시불가항변조관적실질；이성실신용원칙화공평원칙위기출，이대보험인화투보방지간적이익급보험업화사회정체이익진행형평위수단，이보장피보험인、수익인이익위개치목표，시불가항변조관적법리기출。
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 recission 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.
