论保险免责条款的认定标准  

On the Determination of the Exclusion Clause of Insurance

作　　者：杨茂[1] 

机构地区：[1]西南大学法学院,重庆400715

出　　处：《西南政法大学学报》2015年第5期110-117,共8页Journal of Southwest University of Political Science and Law

摘　　要：免责条款是确定保险责任范围的重要依据,但我国《保险法》及相关司法解释均未对其认定标准作出明确规定。鉴于免责条款在保险合同中有着多元化的表现形式和灵活多变的位置,科学界定其实质内涵,是保险契约法面临的重要课题。对此,需要在协调法律规范的冲突基础上,从功能性评价、重要性评价及因果关系评价三个方面进行制度建构。Exclusion clauses are the important basis for defining the scope of insurance liabilities, but China＇ s insurance law and the relevant judicial interpretations have not stipulated expressly the standards for determining the validity thereof. Given the diversified forms of expression and the various and flexible locations of exclusion clauses, it becomes an important research subject of insurance contract law to scientifically define the substantial implication of exclusion clauses. In this coordinating the conflict of legal norms, formulate analysis, necessity analysis and causation analysis. regard , it turns out to be necessary to, on the basis of the corresponding system from the perspectives of functional

关 键 词：保险合同 免责条款 实质要素 赔付责任 

分 类 号：DF438.4[政治法律—经济法学]