《民法典》视域下的保险人说明义务  

The Insurer′s Obligation to Explain under the Perspective of the Civil Code

作　　者：于海威 Yu Haiwei

机构地区：[1]黑龙江孟繁旭律师事务所,黑龙江哈尔滨150080

出　　处：《保险职业学院学报》2023年第3期93-96,共4页Journal of Insurance Professional College

摘　　要：保险人说明义务作为一种具有强烈法定性的先合同义务,对平衡投保人与保险人之间的利益具有重要意义。根据《中华人民共和国保险法》相关规定,保险人说明义务分为一般条款的一般说明义务和免责条款的明确说明义务。但随着《中华人民共和国民法典》对格式条款说明义务的重塑,保险条款作为格式条款中的一种,亦应结合新规,对保险人说明义务进行细化重组,具体可参照《中华人民共和国民法典》中针对“重大利害关系条款”的标准对保险人说明义务予以再分类,分为与投保人无重大利害关系条款说明义务、与投保人有重大利害关系条款说明义务以及免责条款说明义务三类。As a pre contract obligation with strong legal nature,the insurer′s obligation of explanation is of great significance for balancing the interests between the applicant and the insurer.According to the rele-vant provisions of the Insurance Law,the insurer′s explanation obligation is divided into general explanation obligation of general terms and clear explanation obligation of exemption clauses.However,as the Civil Code reshapes the explanatory obligations of standard clauses,insurance clauses,as one of the standard clauses,should also be combined with the new rules to refine and reorganize the insurer′s explanatory obligations.Spe-cifically,the insurer′s explanatory obligations can be reclassified according to the standard of"significant inter-est clauses"in the Civil Code,which can be divided into three categories:no significant interest clause expla-nation obligation,significant interest clause explanation obligation and disclaimer clause explanation obliga-tion.

关 键 词：民法典 保险人说明义务 格式条款 

分 类 号：D922.284[政治法律—经济法学]