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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。
The establishment and development of Internet insurance arbitration in the field of financial arbitration mechanism has made it difficult for existing insurers to state that it is difficult to connect with new Internet insurance. By examining the regulations outside the region, the insurer to explain the measurement criteria and certification standards to create analysis, the use of new methods to solidify the evidence, design a special case of liability disclaimer, so that the insurer to fulfill the burden of proof clearly stated the obligations of the system proposed; The insurer describes the obligation to introduce “reminder attention - online initiative to explain ” two levels of parallel obligations and “online description - visit inquiry - calm observation period ” three-phase progressive description of the obligation rules, the “Insurance Law” on insurance People fulfill the obligations of the standard legislative provisions to carry out reconstruction.