新《保险法》第17条明确了保险公司关于说明义务在形式和实质内容上的履行方式。对保险合同中免除保险人责任的条款,保险人在订立合同时应当在投保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示,并对该条款的内容以书面或者口头形式向投保人作出明确说明;未作提示或者明确说明的,该条款不产生效力。因此,明确说明义务的正确履行是保险公司需要应对的新课题之一。 Article 17 of the new “Insurance Law” specifies the ways in which insurance companies should fulfill their formal and substantive content in explaining their obligations. For the clauses of exempting the insurer from responsibility in the insurance contract, the insurer should make a prompt on the insurance policy, insurance policy or other insurance voucher to attract the attention of the insured when entering into the contract, and provide the written notice or verbal guidance to the terms The insured makes a clear statement; without a prompt or clear that this clause does not have effect. Therefore, it is one of the new topics that insurance companies need to deal with.