论我国保险人订约说明义务制度的完善

Perfection of the Obligation in Interpretation on Clauses of the Insurance Contacts

保险合同因保险人和投保人的意思表示一致而成立,并以双方的相互诚信为基础。投保人对保险条款的理解主要依赖保险人提供的说明。目前保险人说明义务履行过程中仍存在许多问题,并且引发了多种保险合同纠纷。其问题主要存在于保险人订约说明时间和说明内容方面。应确立"投保人冷静观察期"制度,区分"法定免责"与"自定免责"条款以及有限制地适用"疑义利益解释规则",以完善我国保险人订约说明义务制度。

Insurance contract is set up by the same insurance and the insured means on thehasis of mutual faith. The insured relys on the insurer＇s interpretation to understand the terms of insurance. Currently the obligations of the insurer indicate many problems and lead to a variety of insurance contract disputes. The problem mainly lies in the time and description of content. This paper proposes the establishment of ＂the insured cooling-off period＂ system, the distinction between ＂ legal disclaimer＂ and ＂ custom disclaimer＂, and restricted application of ＂ contra proferentem＂, to improve the regulation involving obligations in interpretation of insurance contacts.