保险人说明义务程度标准研究

保险人履行说明义务的程度包括对保险契约重要条款的提示注意程度和解释说明程度。保险条款订入保险契约的提示注意程度应以"充分合理"为判断准据;保险人履行说明义务的程度判断:以普通外行公众的认知理解水平为一般性标准,以具体特殊个体的理解水平为例外;以投保人主观范围上的理解与保险条款所反映的客观实情相一致为判断的基准。

The standard of insurer＇s obligation of statement covers both the level of reminder to important clauses and the level of explanation provided by the insurer. The reminder of major clauses in the insurance contract should be judged on whether it is ＂full and reasonable＂. The level of explanation by the insurer should be judged on whether it is adequate for ordinary laypeople with a common interpretation capacity, and a specific individual＇s interpretation capability should be regarded as an exception. Moreover, the explanation should render that the subjective understanding of the applicant matches the objective facts embodied in insurance clauses.