论保险人对免责条款的提示说明义务

制订免责条款是保险人的正当权利,也是保险人维持正常经营、防范自身风险的常用作法,但实践中存在着被滥用的风险。为了维护正常的保险秩序,兼顾保险合同双方当事人的合法利益,法律规定了保险人对免责条款的提示说明义务。为了准确地理解和适用该提示说明义务的规定,本文从提示说明义务的适用范围、判断标准及举证责任分配方面进行了探讨。

The clause of insurance exemption is a legitimate right that insurers use to maintain normal op- erations and prevent their own risk. But the right may be abused, in order to maintain normal order of insurance and protect legal interests of insurance parties, the law formulates that insurers have the obligation to point and explain the clause of insurance exemption. In order to understand and apply the provisions accurately, the article makes preliminary discussion from applicability of the clause of insurance exemption, judgment standards of the obligation and the distribution of the burden of proof.