保险人说明义务之形式化危机与重构  

The Formalistic Crisis and Reconstruction of Insurer's Explanation Obligation

作　　者：陈群峰[1] 

机构地区：[1]中央民族大学法学院,北京100081

出　　处：《现代法学》2013年第6期184-193,共10页Modern Law Science

摘　　要：作为我国《保险法》的创新之举,保险人说明义务缺乏理论基础,其根据说明对象重要程度的不同区分一般条款的说明义务和免除保险人责任条款的明确说明义务,存在逻辑上的缺陷,导致实践中产生很多争议。由于立法要求保险人承担的说明义务标准过高,保险人说明义务在实践中完全流于形式,无法实现确保投保人理解保险条款的立法目的,故应借鉴域外相关规定,引入"意外条款不订入合同"规则和合理期待原则,切实推动保险格式条款的通俗化。As an innovation of China＇ s Insurance Act, the insurer＇ s explanation obligation lacks of theoretical basis. There exists logic flaw in the distinction between explanation obligation in the general clause and clear explanation obligation in the escape clause based on the different importance of object, which leads to lots of controversy in practice. As the law requires, the standard of insurer＇ s explanation obligation is so high that the obligation becomes a mere formality in practice. As a result, the legislative goal of ensuring the applicant to understand the clause cannot be achieved. Hence, it＇ s better to use the foreign regulation for reference and introduce the rule of ＂contingency clause excluded in contract＂ as well as the doctrine of reasonable expectation, in order to promote the popularization of insurance format clause.

关 键 词：保险人说明义务 最大诚信 两分机制 

分 类 号：DF438.4[政治法律—经济法学]