浅析民法典时代保险合同免责条款的适用

A Brief Analysis of the Application of Exemption Clause of Insurance Contract in the Era of Civil Code

摘要: 民法典将提供格式条款一方提示对方注意条款的内容，从合同法规定的采取合理方式提请对方注意免除限制其责任条款扩展到提示对方注意免除或者减轻其责任等与对方有重大利害关系的条款。显然，民法典对于提供格式条款一方的提示义务范围进一步扩大。保险合同作为一种典型的格式合同，免责条款作为格式条款的内容又是保险合同的重要组成，保险合同免责条款会不会因为民法典时代格式条款提示内容的变化而改变，实务中值得研究。

Abstract: The Civil Code of the People’s Republic of China will provide clause which one party shall prompt the other party to take notice of, extending from adopting the reasonable way stipulated in the contract law to prompt the other party to pay attention to exempting or limiting its liability clause to prompting the other party to notice the provisions that exempting or mitigating its liability which has significant interest with the other party. Obviously, the obligation scope of The Civil Code to prompt the party providing the format clause is further extended. The exemption clause is one part of the format contract and an important part of the insurance contract which is a typical format contract. Whether or not the exemption clause of the insurance contract will change as the prompt of the format clause changes in The Civil Code Era, it is worth studying in practice.