保险人明确说明义务对象扩张解释之检讨——评《保险法司法解释(二)》第11条第2款

A Reriew on the Expanded Explaination of the Insurers Explicit Statement Obligation

《保险法司法解释(二)》将保险人明确说明义务对象扩张解释为免除保险人责任条款的概念、内容与法律后果,然而从逻辑上来看,内容与法律后果无法区分,且强行区分会造成加重保险人明确说明义务、违反立法宗旨、使明确说明义务对象模糊化以及破坏符合现行法律规范的司法裁判态度的弊端。故宜采文义解释的方法,将明确说明义务的对象限定为免除保险人责任条款的内容。

The Supreme Court in its ＂Insurance Law Judicial Interpretation （II）＂ expands the interpretation of the insurer＇ s explicit statement obligation to include the concept, content and legal consequences of excluded liability clauses. However, from a logical point of view, we cannot distinguish between content and legal consequences, and it will produce the following drawbacks if we try to force a distinction between the two ： aggravating insurer＇ s explicit statement obligation, violating the legislative purpose, blurring the objects of the insurer＇ s explicit statement obligation, and undermining the existing rules of justice. Therefore, we should adopt the semantic interpretation of this term, and confine it to the contents of exemption clauses.