浅析保险人的说明义务

The Analysis Of the Assurer’s Elucidation Obligation

在现代保险合同中,一般都是由保险人提供准备好的格式合同,投保人只能概括的接受或不接受,而不能对一般条款讨价还价。而为了平衡双方当事人的地位差异,保险法明确规定了保险人对合同中免责条款的说明义务。

In the contemporary insurance contract, the assurer generally provides the standard contract. On the other hand, the insurer can only take it or leave it, but not haggle to the ordinary deal clause. For the sake of equilibrating position differences of both parties, the insurance law rules the assurer’s elucidation obligation of the responsibility clause in the contract.