我国立法应明确规定投保人的保单阅读义务。该义务之履行有其可行性:保单标准化是前提,保险人的提示说明义务是协同机制,“审阅期条款”之引入是配套机制。投保人履行保单阅读义务的判断标准为在单列条款上签字,一旦签字即意味着其要受保单条款之约束。 Our country’s legislation should clearly stipulate the insurance policy read obligation of the insured. The fulfillment of this obligation has its feasibility: the standardization of policies is the prerequisite, and the insurer’s instructions and obligations are the synergetic mechanisms. The introduction of the term “terms of review” is an accessory mechanism. The criteria for the applicant to fulfill the reading obligation of a policy is to sign a separate clause, which, once signed, means that it is subject to the terms of the policy.