互联网保险明确说明义务问题研究——基于司法判例争议的分析

A Research on the Disclosure Obligation of Internet Insurance——Based on the Analysis of Judicial Precedent Disputes

在互联网保险交易中,保险代理人代为激活行为的性质、实际操作人身份举证责任的分配和明确说明义务的履行方式,分别关系到明确说明义务是否实际履行、说明对象的认定和效力等问题。对此,新近立法或未对这些争议做出针对性回应,或与原先的法律规范相互冲突。司法裁判也始终存在不同的观点,进而产生了同案不同判的现象。互联网保险的投保方式不同于传统保险合同,不能仅以投保人是否对保险代理人的行为知晓和能否控制保险代理人的行为作为判断标准,而应以互联网保险中投保人的现实地位为基础,通过举证责任的分配来确定说明义务的实际履行,并确定互联网保险中明确说明义务的履行方式以实现其功能。

In the internet insurance, the nature of insurance agent activating the insurance plan for the policyholder, the burden of proof on the actual performer＇ s identity, and the form of performing the disclosure obligation are related to whether the disclosure obligation has been performed, the identification of the subject who has made the disclosure, and the validity of the disclosure respectively. In this regard, the current legislation has not responded to these disputes, or is in contrary to the original legal norms. Opinions also differ for actual judicial judgments, which has resulted in the phenomenon of different verdict for the same kind of cases. Internet insurance is different from the traditional insurance contract, therefore the judgment knows of the insurance agent＇ s behavior, and the whether should not be only based on whether the policyholder the policyholder can control the insurance agent＇ s acts The present status of internet insurance policyholders should be used as the basis, the allocation of the burden of proof should be availed to determine the performance of the disclosure obligation, and the form for performing the disclosure obligation should be established to realize its function