【摘要】：保險業(yè)是現(xiàn)代金融體系的重要支柱，它通過合理轉移和分配風險，保護了市場主體的開拓和創(chuàng)造精神，極大地促進了社會的發(fā)展和進步�！吨腥A人民共和國保險法》自1995年頒布實施以來，經(jīng)過了2002年、2009年兩次修改。特別是2009年，保險合同章被修改的條款達48處之多，其中大量修改均體現(xiàn)了保險法對消費者權益的日益保護。 隨著保險業(yè)的不斷發(fā)展，一方面投保的人群和企業(yè)所占比例不斷增多，保險業(yè)務發(fā)展十分繁榮，另一方面，由于實際中存在大量保險人援引保險合同免責條款拒賠的案件，導致投保人對于保險業(yè)、保險人、保險產(chǎn)品的信賴程度日益下降，甚至有人將保險合同免責條款視為保險人欺詐投保人的手段與工具。因此，在現(xiàn)代保險業(yè)中，保險人與投保人存在激烈的利益博弈，，而保險合同免責條款則成為雙方博弈的一個主要戰(zhàn)場。 由于保險合同系格式合同，保險人設立免責條款時往往會導致保險合同當事人之間權利、義務的不對等，違反公平原則。因此，法律應該對保險合同免責條款進行適當?shù)母深A與限制。本文將從范圍確定、訂入規(guī)制、解釋原則等方面對保險合同免責條款進行分析，并結合域外立法例，對完善我國相關立法提出建議。
[Abstract]:The insurance industry is an important pillar of the modern financial system. It protects the pioneering and creative spirit of the main body of the market through the rational transfer and distribution of risks. The Insurance Law of the people's Republic of China has been amended twice in 2002 and 2009 since it was promulgated and implemented in 1995. Especially in 2009, as many as 48 clauses have been amended in the chapter of insurance contract, among which a large number of amendments reflect the increasing protection of consumers' rights and interests by insurance law. With the continuous development of the insurance industry, on the one hand, the proportion of insured people and enterprises is increasing, and the development of insurance business is very prosperous. On the other hand, there are a large number of cases in which the insurer invokes exemption clauses in insurance contracts. As a result, the degree of reliance of the policy holder on insurance, insurer and insurance products is declining day by day. Some people even regard the exemption clause of insurance contract as the means and tool for the insurer to cheat the policyholder. Therefore, in the modern insurance industry, there is a fierce benefit game between the insurer and the policyholder, and the exemption clause of insurance contract becomes a main battlefield of the game between the two parties. Because the insurance contract is the form contract, when the insurer sets up the exemption clause, it will often lead to the unequal rights and obligations between the parties to the insurance contract, which violates the principle of fairness. Therefore, the law should intervene and restrict the exemption clause of insurance contract. This paper will analyze the exemption clauses of insurance contract from the aspects of scope determination, regulation, interpretation and so on, and put forward some suggestions to perfect the relevant legislation of our country.
【學位授予單位】：華僑大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.284

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