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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)
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最高人民法院公布三起保險合同糾紛典型案例之三：吳某訴某保險公司財產保險合同糾紛案——“免除保險人責任的條款”的范圍
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【法寶引證碼】
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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險合同糾紛典型案例之三：吳某訴某保險公司財產保險合同糾紛案 |
| —Scope of “clauses exempting the insurer from liability” | | ——“免除保險人責任的條款”的范圍 |
| [Key Points] | | 【要點提示】 |
| 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. | | 保險人提供的格式合同文本中的責任免除條款、免賠率條款、比例賠付條款，可以認定為《保險法》第十七條第二款規定的“免除保險人責任的條款”，保險人應當盡到提示和明確說明義務。 |
| 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. | | 《解釋（二）》涉及條款：第九條保險人提供的格式合同文本中的責任免除條款、免賠額、免賠率、比例賠付或者給付等免除或者減輕保險人責任的條款，可以認定為保險法第十七條第二款規定的“免除保險人責任的條款”。 |
| ．．．．．． | | ．．．．．． |
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