互联网场景中保险人明确说明义务的法律调适

Legal Adaptation of Insurer’s Clear Explanation Obligation on the Internet

基于互联网交易的虚拟性、交互性和快捷性,互联网场景下保险人明确说明义务存在法律特殊适配之必要。应以维持促进互联网交易便捷和保险消费者全面保护理念之间平衡为基本理念,一方面,无须以投保人签署投保确认书作为明确说明义务履行的判断依据;另一方面,应将明确说明义务与提示义务独立评价,且否定目前行业通行的将“链接”导入嵌入式网页作为明确说明义务的判断标准,要求投保人声明界面遵循全文强制阅读+投保人主动勾选确认两项要件。此外,建议在推行互联网保险合同条款标准化和通俗化的同时,将犹豫期制度于互联网保险场景中进行全范围的扩大适用,并将保险销售行为可回溯制度进行更具可操作性的细化规范。

Based on the virtuality,interactivity and rapidity of the Internet transaction,there is a need for special legal adaptation of the insurer’s clear explanation obligation on the Internet.The basic idea should be to maintain the balance between facilitating the convenience of Internet transactions and the overall protection of insurance consumers.On the one hand,it is not necessary to take the insurance confirmation signed by the insured as the basis for determining the performance of the obligation;on the other hand,it is essential to evaluate independently clear explanation obligation and prompt obligation,and reject the current industry practice of importing“links”into embedded web pages as the judgment standard for clear explanation obligation.The interface of the policyholder’s statement is required to follow the requirements of“mandatory reading of the full text and the policyholder’s active check and confirmation”.Besides,it is recommended that,while promoting the standardization and popularization of terms of Internet insurance contracts,the hesitation period system should be fully applied to Internet insurance and the retrospective system of insurance sales practices should be regulated in a more operable and detailed manner.