人身保险合同常见条款研究

在长期的保险实践中,保险业界逐渐形成了一些规范人身保险合同的条款,常见的有不可抗辩条款、年龄误告条款、自杀免责条款、战争免责条款、宽限期条款、复效条款、不丧失价值条款、保单贷款条款、保单转让条款。这些条款衡平了投保人、被保险人、受益人与保险人之间的利益,促进了寿险业的健康发展,维护了寿险市场的正常秩序。

Study on Common Provision in the Contract of Life Insurance

In the actual practice of insurance affairs,the provisions on regulating the contract of life insurance have emerged in the cause of insurance,generally including estoppel one, age misleading one, self-murder exoneration one, war exoneration one, grace period one, reinstatement one, nonforfeiture values one, policy loan one and policy negotiation one. These provisions measure benefits among the applicant, the insured, insurance beneficiary and insurance company, in result, promoting the sound development of the cause of life insurance and keeping the order of the life insurance market.