Since the introduction of the incontestable clause in China's insurance law in 2009, it has protected the legitimate rights and interests of the policyholder to a certain extent and prevented the insurer from abusing the right to terminate the contract. However, the specific provisions on the scope of indefensible, time limit and exclusion of liability are not clear provisions, resulting in a lot of insurance claims disputes. In view of this, this paper analyzes the application of this clause in foreign countries and the actual situation in China and puts forward some ideas and suggestions.