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保险人信息提供义务意在通过对信息不对称的弥补来实现对投保人利益的保护。由于保险活动的高度技术性与专业性,使投保人在合同订立时处于信息弱势地位,造成消费者利益受损事件频发。文章认为,告知后同意原则与适合性原则的采纳,将有利于司法解释与适用,丰富与完善保险人信息提供义务制度。
The insurer’s obligation to provide information is intended to protect the interests of policyholders through making up for the asymmetrical information. Due to the highly technical and professional nature of insurance activities, policyholders are disadvantaged in information when the contract is concluded, resulting in frequent occurrence of damage to consumers’ interests. The article holds that the adoption of the principle of informed consent and the principle of suitability will be conducive to judicial interpretation and application, and enrich and improve the system of providing information for insurers.