试论保险合同免责条款的法律效力

头上解释保险合同免责条款，并对于生活中可能存在的保险合同免责形式进行列举。通过对于保险合同免责条款法律角度的解释使人们明白其具有的重要意义，进一步通过效力评价标准和保险合同免责条款解释规则等重要内容使人们了解保险合同免责条款在我国的法律规制现状，最后本文根据目前的保险现状提出几点针对保险免责条款的有效建议。随着我国国民收入日益增加，人民生活水平不断提高越来越多的人认识到保险的重要性进而针对自身情况购买了不同种类的保险，而对于保险合同人们往往不够了解，尤其是保险合同免责条款并没有进行深入的探究。本文针对免责条款的概念与特征，从源

关键词：保险合同；法律效力；免责条款

On the legal effect of the exemption clause of insurance contract

ABSTRACT：With the increasing national income and the increasing people's living standard, more and more people realize the importance of insurance and then buy different kinds of insurance against their own conditions, and people often do not know enough about the insurance contract, especially the exemption clause of insurance contract. This paper, in view of the concept and characteristics of the exemption clause, explains the exemption clause of insurance contract from the source and enumerates the possible forms of exemption of insurance contract in life. Through the interpretation of the legal angle of the exemption clause of the insurance contract, people understand its important significance, further through the important content of the effectiveness evaluation standard and the interpretation rule of the exemption clause of the insurance contract, so as to make people understand the present situation of the legal regulation of the exemption clause in the insurance contract in our country. Finally, this article is based on the current insurance status. Several effective suggestions for insurance exemption clauses are put forward.

KEY WORDS: Insurance Contract；Legal Effect；Disclaimer

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