保险人说明义务若干疑难问题研究.pdfVIP

Vol.25.No.12 第 2S 卷第 12 期 河北法学 Hebei μIW 汝iençe 加r. .2007 2007 年 12 月 保险人说明义务若干疑难问题研究 李现 (贵州警官职业学院，贵州贵阳 550005) 摘 要:我国{保险法}第 17 条、第 18 条关于保险人说明义务的规定，其实施效果并不理想.实际情况是保险人不说明或 说明流于形式化。对于非消费性保险合同、续保的保险合同、个别协商条款、非资任免除条款、法定免资条款，保 险人元须履行主动说明义务。当前最重要的是促进保险条款说明方式的实质化2 一是推进保险条款的通俗化，提 高保险条款的可读性;二是促泼责任免除条款说明方式的实质化。保险人未明确说明责任免除条款的，其fi;橡后 果仍应维持不产生效力的现行规定，而不宜引入国外的冷静观察期制度。 关键词z 保险条款;责任兔除条款:保险人说明义务;保险合肉效力。 中阁分类寄: DF438.4 :t献标识码 :A 文章编号: 1002-3933(2007)12-0151-04 A Research on Problems of Insurants Explanation Obligation LI Li (Guizoou Police Offícer V时:ational College. Guiyang 550005 China) Abstract: lnsurants explanation obligation stipulated in ClaUlle 17 18 on China 5 lnsurance Law is not practiced ef{ectively. As a matter of fact. insurants explanation is fonnalized. lnsurants dont have to fulfill their explanation obligations in the non .çonsuming insurance ∞ntract • renew insuran阳刚Itract. individual negotiation clause. non-liability 刷刷ption clau配皿d statutory exemption cIause. The most important thing is to make the explanation way ol insurance clau阻 substantive one: 1. ωmake it popular and easy to understand; 2. 10 make expIanation way of liabilíty exemption clau肥 substantive. If insurants doesn tωnclude the Iiability exemption clau辅 exactly. the insuran四 ωntract will not ∞me into ef{，出t ðα:ording to the pr四ent stipulations instead of introducing the CaIrn watching gystem of other ωuntri帽a Key words: insurance