「两年不可抗辩」真的是「带病投保」的福音吗？

<section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczu9ACbibicm9KjfDuusymib55xY5PWSRqKSP7AkUR0OUJH6HWa1zYfthwBGIMVAbzS3nT3E7CZ7llGag%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczu9ACbibicm9KjfDuusymib55xY5PWSRqKSP7AkUR0OUJH6HWa1zYfthwBGIMVAbzS3nT3E7CZ7llGag/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >大家好，我是保爷。</span></p><p ><span >&nbsp;</span></p><p ><span >今天和大家聊一个老生常谈的话题：<strong>保险的两年不可抗辩</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >真说起来，大多数人初次接触“两年不可抗辩”这个词时，应该是源于线下保险代理人的“忽悠”。</span></p><p ><span >&nbsp;</span></p><p ><span >就像下面这位朋友遇到的情况一样：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczu9ACbibicm9KjfDuusymib55xpW5quXH3ricwxIXZR3AViccGXib9Q6ibiacdqtEQwfGG9rUPKA7TXj3AAWQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczu9ACbibicm9KjfDuusymib55xpW5quXH3ricwxIXZR3AViccGXib9Q6ibiacdqtEQwfGG9rUPKA7TXj3AAWQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >按代理人说的意思就是：</span></p><p ><span >&nbsp;</span></p><p ><span >只要两年内不发生理赔，哪怕带病投保后出险也能赔。</span></p><p ><span >&nbsp;</span></p><p ><span ><strong>但事实是这样吗？</strong></span></p><p ><span >&nbsp;</span></p><section ><span >答案先不说，我们通过这种说法的源头来深度剖析一下。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、《保险法》解析</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >先要声明一点：</span></section><section ><span ><br /></span></section><p ><strong><span style="color: rgb(26, 26, 26); text-align: start">「两年不可抗辩」</span></strong><span style="color: rgb(26, 26, 26); text-align: start">仅适用于</span><strong><span style="color: rgb(26, 26, 26); text-align: start">长期险</span></strong><span style="color: rgb(26, 26, 26); text-align: start">，短期险</span><span style="text-align: start; color: rgb(123, 127, 131)">（如1年期重疾险/医疗险/意外险）</span><span style="color: rgb(26, 26, 26); text-align: start">不适用！</span></p><p ><span style="color: rgb(26, 26, 26); text-align: start"><br /></span></p><p ><span style="text-align: start; color: rgb(123, 127, 131)">Ps：6年保证续保的医疗险本质还是1年期保险，同样不适用两年不可抗辩。</span></p><p ><br /></p><p ><span style="color: rgb(26, 26, 26); text-align: start">再说回「两年不可抗辩」，</span><span >通常线下保险代理人是这样解释的：</span></p><p ><br /></p><p ><span >两年不可抗辩</span><span style="color: rgb(136, 136, 136)">（或不可抗辩条款）</span><span style="color: rgb(0, 0, 0)">是《保险法》明确规定的，熬过2年就能赔是法律对投保人的保护......</span></p><p ><br /></p><p ><span style="color: rgb(0, 0, 0)">那我们就看看《保险法》中对两年不可抗辩的规定：</span></p><p ><br /></p><section><section ><span style="color: rgb(123, 127, 131)"><strong><em>据《中华人民共和国保险法》第十六条：</em></strong></span></section><section ><span ><strong><em><br /></em></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJhglR5viblKyRUgolBpJauK0q19YLFPvMuz41Ib0A96s3dQm8mNRP4jqWXiaMica6HT5J6h6TjZib4w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJhglR5viblKyRUgolBpJauK0q19YLFPvMuz41Ib0A96s3dQm8mNRP4jqWXiaMica6HT5J6h6TjZib4w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section><p ><br /></p><p ><span >买保险时，保险公司问我们的</span><span style="color: rgb(123, 127, 131)">（健康告知）</span><span style="color: rgb(0, 0, 0)">需要</span><span ><strong>如实回答</strong>。</span></p><p ><span ><br /></span></p><p ><span >如果因为<strong>故意隐瞒</strong>或忘了说，导致<strong>原本不能买保险</strong>或除外承保的人成功投保，</span></p><p ><span ><br /></span></p><p ><span >即便已经签了合同，保险公司也能<strong>解除合同</strong>。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(123, 127, 131)"><em><strong>在上述条款之后，《保险法》第十六条又提到：</strong></em></span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJhglR5viblKyRUgolBpJauZ4n6icxkyGt1NEUFYbOM9Sbazfwcu2wtprDWAslRBOljWLREltR0O2Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJhglR5viblKyRUgolBpJauZ4n6icxkyGt1NEUFYbOM9Sbazfwcu2wtprDWAslRBOljWLREltR0O2Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section><p ><br /></p><p ><span >这就是</span><strong><span >「两年不可抗辩」</span></strong><span >说法的源头了：</span><br /></p></section><section ><br /></section><section ><span >保险公司<strong>知道</strong>投保人没有如实告知后，在<strong>30天内</strong>没解除合同，就不能再解除合同；</span></section><section ><span ><br /></span></section><section ><strong><span >如果保险合同生效已经超过2年，保险公司无论如何不能解除合同。</span></strong></section><section ><br /></section><section><section ><span style="color: rgb(123, 127, 131)"><em><strong>此外，《</strong></em><em><strong>保险法》第十六条还提到：</strong></em></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJhglR5viblKyRUgolBpJauvPd2StiaD1YTH6NgF0OxLBvf50yJJN7MMnEgoGMQkywSrVjMQ9fiaHPg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJhglR5viblKyRUgolBpJauvPd2StiaD1YTH6NgF0OxLBvf50yJJN7MMnEgoGMQkywSrVjMQ9fiaHPg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><span >&nbsp;</span></section><section ><span >如果保险公司发现投保人没有如实告知，但没来得及解除合同，投保人就已经出险，</span></section><section ><span >&nbsp;</span></section><section ><span >或者投保人已经出险，报案后才被保险公司查出投保前没有如实告知：</span></section><section ><span >&nbsp;</span></section><ul ><li style="color: rgb(0, 0, 0)"><p><span style="color: rgb(0, 0, 0)">投保人是<strong>故意隐瞒</strong>，保险公司不会理赔，且<strong>不退还</strong>保费；</span></p></li><li style="color: rgb(0, 0, 0)"><p><span style="color: rgb(0, 0, 0)">投保人是<strong>过失隐瞒</strong>，保险公司不会理赔，但<strong>会退还</strong>保费。</span></p></li></ul><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)"><em><strong>《保险法》第十六条最后提到一种特殊情形：</strong></em></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJhglR5viblKyRUgolBpJauXENZrn0qZnAOzEWj1XicJHJowxGSuJd7bYNgiaf3RFbM7BhX4hQ0ISfQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJhglR5viblKyRUgolBpJauXENZrn0qZnAOzEWj1XicJHJowxGSuJd7bYNgiaf3RFbM7BhX4hQ0ISfQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><section ><span >在签订保险合同前，保险公司就<strong>已经知道</strong>投保人没有如实告知，</span></section><section ><span ><br /></span></section><section ><span >但依旧同意承保的，保险公司不仅<strong>不能解除合同</strong>，还要<strong>承担理赔责任</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">当然了，这种情况是很罕见的特例，毕竟商业保险公司不是慈善机构，明知有问题还会继续承保几乎不可能。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>至此，两年不可抗辩的根源——《保险法》第十六条已经剖析完毕。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、为什么不能带病投保？</strong></span></section></section></section></section></section></span></section><section ><span >&nbsp;</span></section><section ><span >大家肯定会疑惑：</span></section><section ><span ><br /></span></section><section ><span >不对，这样看保险法中是明确规定了啊。</span></section><section ><span ><br /></span></section><section ><span >既然说了2年后就不能解除合同了，一般不就能认为是：</span></section><section ><span ><br /></span></section><section ><span >哪怕带病投保，只要熬过2年就能理赔了么！</span></section><section ><span >&nbsp;</span></section><section ><span >真相当然不是这样，保爷告诉大家问题出在哪里：</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span ><strong>不能解除合同≠不能拒赔</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >表面来看，保险公司一定要按保险合同来，既然不能解除合同了，那肯定会赔啊。</span></section><section ><span >&nbsp;</span></section><section ><span >这就要我们在保险合同中找答案了：</span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu9ACbibicm9KjfDuusymib55xV3Q2jLiaA9ia8ibm5RdoUdSGmhZ5LdVbnUdp9icLiaxMM5V2lFdvCZia6oGw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu9ACbibicm9KjfDuusymib55xV3Q2jLiaA9ia8ibm5RdoUdSGmhZ5LdVbnUdp9icLiaxMM5V2lFdvCZia6oGw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">某重疾险保险条款</span></section><section ><span >&nbsp;</span></section><section ><span >以重疾险为例，绝大多数重疾险都会要求出险的疾病为<strong>初次发生或患有</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >就是说投保前如果检查出重疾或对应疾病，继而带病投保，想着在2年后利用不可抗辩条款拿钱是不可能的。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">因为保险公司可以轻易查到我们的就诊记录，所以发生以上情况肯定会拒赔，这和两年不可抗辩无关。</span></section><section ><br /></section><section ><span >此外，保险条款中还会有<strong>免责条款</strong>，如果免责条款明确约定既往症不赔，那也会拒赔。<br /></span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJhglR5viblKyRUgolBpJauoUuszoibnVmSsMJEbK8RibtprdQd7qAgCChCSUJfTwV1mkCib9W1oI73Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJhglR5viblKyRUgolBpJauoUuszoibnVmSsMJEbK8RibtprdQd7qAgCChCSUJfTwV1mkCib9W1oI73Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(123, 127, 131)">某医疗险免责条款</span><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">什么是“既往症”？</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztJhglR5viblKyRUgolBpJauUqGC5KpWdsaD63ibYQdwzfFtlFia6ZGkMich3Ddr9sMG4H9xkXY3CbdnQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztJhglR5viblKyRUgolBpJauUqGC5KpWdsaD63ibYQdwzfFtlFia6ZGkMich3Ddr9sMG4H9xkXY3CbdnQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >所以不能解除合同又能怎么样呢，不赔还是不赔。</span></section><section ><span ><br /></span></section><section ><span >这也是保爷常说的，保险本质是一份【<strong>长期</strong><strong>合同</strong>】，买保险=买合同。<br /></span></section><section ><span ><br /></span></section><section ><span >无论在大保险公司买，还是名不见经传的小保险公司买，买来的保险合同受到国家监管。<br /></span></section><section ><span ><br /></span></section><section ><strong><span >一切以保险合同为准。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >线上保险代理人常常用来“促单”的两年不可抗辩，实则并不能让人“带病投保”。</span></section><section ><br /></section><section ><span ><strong>该赔的保险公司不能不赔</strong>，<strong>不该赔的保险公司也不会因为两年不可抗辩就赔付</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >试想一下，如果撑2年保险公司必须得赔，可能2年后所有保险公司都得消失。<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">举个例子，真要是这样，一些患癌几率大的患者（如肝硬化之类）、甚至已经患癌的肯定都想试一下，</span></section><section ><span style="color: rgb(123, 127, 131)"><br /></span></section><section ><span style="color: rgb(123, 127, 131)">毕竟撑过2年就能拿钱，到时候50万保额的重疾险估计保费5万/年都抢着买。</span></section><section ><br /></section><section ><span >因此，保爷对投保的一贯看法都是：</span></section><section ><br /></section><section ><strong><span >一定要如实告知。</span></strong></section><section ><span >&nbsp;</span></section><section ><span >千万别一时侥幸或受到代理人蛊惑就不管不问直接投保，到时候有损失的肯定也是我们投保人自己。</span></section><section ><span >&nbsp;</span></section><section ><span >我们在回过头看开头的问题：</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>真的只要撑过两年，即便带病投保出险也能赔？</strong></span></section><section ><span >&nbsp;</span></section><section ><span >当然是假的！</span></section><section ><span >&nbsp;</span></section><section ><span >如果以后还有线下代理人告诉大家患病不用告知，过了2年不可抗辩就能赔了。</span></section><section ><span >&nbsp;</span></section><section ><span >保</span><span >爷建议直接把这篇文章糊他脸上。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span style="color: rgb(26, 26, 26); text-align: start">保险的信息不对称问题太严重，尤其在线下，基本十买九坑！<br /></span></p><p ><br /></p><p ><span style="color: rgb(26, 26, 26); text-align: start">保爷强烈建议大家买保险前先看看<strong >微信公众号</strong><strong ><span >【</span>懂保爷</strong>】里的评测文章并咨询保爷，能帮你省钱50%避坑100%。</span></p><p ><br /></p><p ><span >如果对保险有疑问，欢迎<span style="color: rgb(26, 26, 26); text-align: start">留言或者私信保爷（保爷微信：</span></span><span style="color: rgb(26, 26, 26); text-align: start">dongbaoye666）。</span></p><p ><br /></p><p ><span >相信保爷一定能给你一些专业的建议，帮你花最少钱买对保险不掉坑！</span></p><section ><span ><br /></span></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，<span >帮忙点个</span><span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>