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在现代保险合同中,一般都是由保险人提供准备好的格式合同,投保人只能概括的接受或不接受,而不能对一般条款讨价还价。而为了平衡双方当事人的地位差异,保险法明确规定了保险人对合同中免责条款的说明义务。
In modern insurance contracts, the general form is prepared by the insurer in the form of a contract, the insurer can only be broadly accepted or not, and can not bargain on the general terms. In order to balance the differences in the status of both parties, the Insurance Law clearly stipulates the insurer’s obligation to explain the exemption clauses in the contract.