互联网保险仲裁:保险人履行说明义务标准重构

The Internet Insurance Arbitration: Discharging the Obligation of the Insurer Standard Reconstruction

互联网保险仲裁在金融仲裁机制领域内的确立发展,使得既有的保险人说明义务规定难以对接新型互联网保险。通过考察域外规定,对保险人提示说明的衡量标准和证明标准进行创设分析,采用新型手段固化证据、设计专门的免除责任条款提示书,从而对保险人履行明确说明义务举证责任提出制度建议;在保险人说明义务中引入"提醒注意-在线主动说明"两层次平行式义务和"网上说明-回访询问-冷静观察期"三阶段渐进式说明义务规则,对《保险法》中关于保险人履行说明义务标准立法规定进行重构。

Internet insurance development of arbitration in the establishment of financial mechanisms in the field of arbitration,both of the insurer 's obligation of explanation difficult to dock new Internet insurance. Study extraterritorial provides,on insurer tips description of measure standard and proved standard for created analysis,used new means curing evidence,and design specifically of from responsibility terms tips book,on insurer perform clear description obligations proof responsibility proposed system recommends; in insurer description obligations in the introduced ' reminded note-online active description ' two level parallel type obligations and ' online description-visit asked-calm observation period' three stage progressive type description obligations rules; on insurance Standard notes on the performance obligations in the legislative provisions of the reconstruction.