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以法律形式确立保险人说明义务,是我国保险法的一大特色和创新。而未能明确规定保险人违反说明义务的合同法律效力,使保险人说明义务制度失去实际意义。笔者从分析我国保险法的规定入手,研究国外有关立法规定,设计构建了我国保险人违反说明义务的法律效力认定体系。
Establishing the insurer’s obligation of explanation in the form of law is one of the major characteristics and innovations of China’s insurance law. The failure to clearly stipulate the legal effect of the contract in which the insurer violates the obligation of explanation and make the insurer ’s explanation of obligation system lose practical significance. The author starts with the analysis of the provisions of the Insurance Law of our country, studies the relevant foreign legislation and regulations, and designs and constructs the legal validity confirmation system that our insurer violates the obligation of explanation.