弃权、禁反言与不可抗辩辨析

弃权与禁反言两个概念经常是放在一起使用的,有时弃权、禁反言与不可抗辩还存在重复和交叉。但实际上,弃权、禁反言与不可抗辩并不是相同原则,而是相互独立的不同原则。弃权、禁反言与不可抗辩原则对于保险公司和投保人都起着非常重大的作用,既可以促使保险公司在订立保险合同时,明确标准、严格管理以保护保险公司的利益,也可以促使保险人增强对自身保险权益的保护。因此,明确三者的概念、构成要件及适用范围对维护保险业的诚信、和谐和稳定具有重要意义。

Analysis on Abstention,Estoppels and Incontestability

Abstention and estoppels are used together usually and there are overlaps and intersections with abstention sometimes.But in fact,abstention,estoppels and incontestability are different principles and they are independent with each other.It perform an important function of abstention,estoppels and incontestability for insurance company and policy holder.It is not only valid to impel insurance company to explicit criteria,rigorously administer to protect insurance company's interest.So it is significant to e...