论保险人说明义务的免除

On The Exemption of The Insurer’s Obligation to Explain

《最高人民法院关于适用〈中华人民共和国保险法〉若干问题的解释(二)》第10条实质上免除了保险人的说明义务,但仍存在进一步解释的空间。以法律、行政法规规定的禁止性行为作为免责事由的免责条款,按照禁止性规定的规范风险与可保风险的关联程度,可以分为强相关关系、弱相关关系、不相关关系和负相关关系。保险人说明义务的范围和程度应根据禁止性规定的规范风险与可保风险的关系确定,并在此基础上采取履行说明义务、减轻说明义务、免除说明义务、认定免责条款无效等司法对策。

Article 10 of the Judicial Interpretation of Insurance Law(2)provides that the insurer is substantially exempted from the obligation of explanation.The exemption clauses based on the prohibited conduct provided by laws and administrative regulations as the excuses for exemption can be divided into strong correlation,weak correlation,irrelevan ce and negative correlation in accordance with the degree of correlation between normative risks and insurable risks in the prohibition provisions.The scope and extent of the insurer’s explanation obligation should be determined based on the relationship between the normative risk and the insurable risk stipulated in the prohibitive provisions,and on this basis,judicial countermeasures such as fulfilling the obligation of explanation,reducing the insurer’s explanation obligation,exempting the insurer from explaining the obligation,and determining that the exemption clause is invalid.