新《保险法》的颁布实施,是我国保险法制建设迈向完善和成熟的重要标志,必将对推进我国保险业的改革发展产生重大而深远的影响。“不可抗辩”条款的演进新《保险法》第十六条第三款规定:“投保人故意或者因重大过失未履行前款规定的如实告知义务,足以影响保险人决定是否同意承保或者提高保险费率的,保险人有权解除合同。前款规 The promulgation and implementation of the new ”Insurance Law“ is an important symbol of our country’s legal and legal construction toward maturity and maturity, and will surely exert a profound and far-reaching influence on the reform and development of China’s insurance industry. The evolution of the ”Irresistible“ clause Article 16, paragraph 3, of the Insurance Law stipulates that: ”The insured’s failure to perform the obligation of truthful disclosure as stated in the preceding paragraph intentionally or for gross negligence is sufficient to affect the insurer’s decision whether to accept the underwriting or If the insurance premium is raised, the insurer has the right to rescind the contract