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新《保险法》中的不可抗辩条款在更多的保护了被保险人的同时,这一条款存在的不足也会使保险人的利益受损。我国的保险业起步较晚,无条件地推出不可抗辩条款会让该条款成为投保人恶意欺诈的庇护伞。因此,应通过延长抗辩期、明确适用例外等方式对该条款进行不断完善,以期在保护被保险人的同时,也不能损害保险人的合理利益。
The incontestable clause in the new “Insurance Law” more protects the insured person at the same time, and the insufficiency of this clause will also undermine the interests of the insurer. The insurance industry in our country started relatively late. The unconditional launch of the irrefutable clause would make the clause a bad umbrella for the insured. Therefore, this clause should be continuously perfected by extending the period of defense and explicitly applying exceptions, so as to protect the insured and at the same time not to undermine the reasonable interests of the insurer.