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随着我国保险业的蓬勃发展,对保险法律规范的要求也越来越高。而《保险法》中对保险人的订约说明义务规定过于模糊,实践操作中出现很多问题,同时也引发了很多的纠纷。本文试从说明义务的内涵、依据、范围、方式、标准和后果六方面的问题进行研究,澄清概念,理清思路,以解决保险法规与实践操作脱节的问题,规范保险人的订约说明义务。
With the vigorous development of China’s insurance industry, the requirements for insurance law and regulation are also getting higher and higher. The “insurance law” in the insurer’s contract description obligation is too vague, there are many problems in practice, but also triggered a lot of disputes. This article tries to clarify the concepts and clarify the ideas from the six aspects of the connotation, basis, scope, methods, standards and consequences of the obligation of obligation, to solve the problem that the insurance laws and regulations are incompatible with the practical operation, to regulate the insurer’s obligation of contractual specification .