保险人说明义务若干疑难问题研究

Research on Various Puzzles of Insurer Explanation Obligation

我国《保险法》第171、8条关于保险人说明义务的规定,其实施效果并不理想,实际情况是保险人不说明或说明流于形式化。对于非消费性保险合同、续保的保险合同、个别协商条款、非责任免除条款、法定免责条款,保险人勿须履行主动说明义务。当前最重要的是促进保险条款说明方式的实质化:一是推进保险条款的通俗化,提高保险条款的可读性;二是促进责任免除条款说明方式的实质化。保险人未明确说明责任免除条款的,其法律后果仍应维持不产生效力的现行规定,而不宜引入国外的冷静观察期制度。

The execution of clause 17, and 18 of Chinese Insurance Law is not satisfactory. The reason for this lies that the insurers don＇ t give any explanations or just deliver a formal one. The insurers don＇ t need to take the initiative to give explanation for non-consumption insurance contract, renewal of insurance contract, individual negotiation clause, no-reasonability exemption clause, legal exemption clause, etc. At present the most important is to promote the substantialization of insurance explanation：On one hand promote the popularization of insurance clauses, hence improve the readability of insurance clauses. On the other hand promote the substantialization of insurance exemption clause explanation. If the insurer has not specified the clauses whose reasonability is exempted, the legal consequence shall conform to the current regulation of ineffectiveness. The abroad cool observing period system is not recommended.