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免责条款是保险合同的一部分,这是保险合同双方当事人的双赢条款。免责条款的适用既要符合适用前提,又要保险人履行一定的义务保证其效力,保险人才可以适用免责条款,不承担保险责任。中国保监会保险消费者权益保护局2014年消费者权益投诉最新数据显示:从投诉险种看,分红险的投诉量在投诉总量中占比30.28%,
The disclaimer is part of the insurance contract, which is a win-win clause between the parties to the insurance contract. The application of the exemption clauses not only meets the applicable premise, but also requires the insurer to perform certain obligations to ensure its effectiveness. The insurer can apply the exemption clause and does not assume the insurance liability. CIRC Insurance Consumer Protection Authority 2014 Consumer Rights Complaints Latest data show that: from the perspective of complaint insurance, dividend insurance complaints in the total amount of complaints accounted for 30.28%