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我国《保险法》第17、18条关于保险人说明义务的规定,其实施效果并不理想,实际情况是保险人不说明或说明流于形式化。而投保人告知义务相比无论是在学术研究领域还是在保险业实践中,保险人的说明义务一直未被予以应有的重视。强调保险人说明义务,对维护处于缔约弱势的投保人的合法权益,实现公平正义,有着重要作用。本文拟从保险人说明义务的内涵、理论基础,浅谈保险人说明义务的完善。
China’s “Insurance Law,” Article 17,18 on the insurer’s obligation to explain the implementation of its effect is not ideal, the actual situation is that the insurer does not explain or explain the formalization. However, compared with the applicant’s obligation of informing, the insurer’s obligation of explanation has not been given due attention whether in the field of academic research or in the insurance industry. Emphasizing the insurer’s obligation to explain plays an important role in safeguarding the legitimate rights and interests of policyholders who are disadvantaged in the treaty and in realizing fairness and justice. This article intends to explain the meaning of obligations from the insurer, the theoretical basis, on the insurer explain the improvement of obligations.