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因为网络保险无法进行面对面的解释,口头说明很难实现,所以保险人必须通过其他方式履行法定的免责条款提示与明确说明义务,并实现举证的可能。我国《保险法》为保护投保人之权益,减少纠纷的发生,也为免责条款应有的功能得到充分发挥,以促进保险业的健康发展,要求保险人对免责条款履行提示与明确说明义务。
Because online insurance can not be face-to-face explanation, verbal explanation is very difficult to achieve, so the insurer must fulfill statutory exemption clauses and clarify obligations by other means and realize the possibility of proof. In order to protect the rights and interests of policyholders and reduce disputes, the “Insurance Law” of our country also gives full play to the due functions of disclaimers so as to promote the healthy development of the insurance industry, and requires the insurer to provide prompts and clarification obligations for the exemption clauses.