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No. 3 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Wu [REDACTED] v. [REDACTED] Insurance Company — Scope of “clauses exempting the insurer from liability” (Property insurance contract dispute)
最高人民法院公布三起保险合同纠纷典型案例之三:吴某诉某保险公司财产保险合同纠纷案——“免除保险人责任的条款”的范围
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No. 3 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Wu [REDACTED] v. [REDACTED] Insurance Company (Property insurance contract dispute) 最高人民法院公布三起保险合同纠纷典型案例之三:吴某诉某保险公司财产保险合同纠纷案
—Scope of “clauses exempting the insurer from liability” ——“免除保险人责任的条款”的范围
[Key Points] 【要点提示】
The exclusion clause, deductible amount clause and proportionate compensation clause in a standard contract provided by an insurer may be determined as the “clauses exempting the insurer from liability” as mentioned in paragraph 2 of Article 17 of the Insurance Law, and the insurer should fulfill the obligation of reminding, clarification and explanation. 保险人提供的格式合同文本中的责任免除条款、免赔率条款、比例赔付条款,可以认定为《保险法》第十七条第二款规定的“免除保险人责任的条款”,保险人应当尽到提示和明确说明义务。
Applicable provisions in Interpretation II: Article 9: The exclusion clauses, the amount and ratio of deductibles, proportionate compensation or payment, and other clauses exempting an insurer from liability or mitigating the liability of the insurer in a standard contract provided by the insurer may be determined as the “clauses exempting the insurer from liability” as mentioned in paragraph 2 of Article 17 of the Insurance Law. 《解释(二)》涉及条款:第九条保险人提供的格式合同文本中的责任免除条款、免赔额、免赔率、比例赔付或者给付等免除或者减轻保险人责任的条款,可以认定为保险法十七条第二款规定的“免除保险人责任的条款”。
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