互联网保险的保险人说明义务履行标准及完善  

Standard of the Performance of the Insurers'Obligation to Explain in Internet Insurance and Its Improvement

作　　者：田国兴[1] 王雨晴 Tian Guo-xing;Wang Yu-qing(School of Humanities and Law,China University of Petroleum(East China),Qingdao,Shandong,266580)

机构地区：[1]中国石油大学(华东)文法学院,山东青岛266580

出　　处：《吉林工商学院学报》2025年第1期111-115,128,共6页Journal of Jilin Business and Technology College

摘　　要：保险合同中保险人对免责条款的说明义务问题是保险纠纷案件的核心问题,保险人对说明义务的履行直接关系到最终责任的归属与承担。由于互联网保险中的说明义务履行方式与传统方式差异显著,且缺乏专项立法规定,导致部分保险公司选择通过“链接”形式披露免责条款,削弱说明义务的实际效果。为确保公正处理纠纷,应明确说明义务的履行提示方式,明确义务履行方式的多样化,完善证据可回溯管理制度。The insurer's obligation issue to explain the exemption clauses in an insurance contract is the core issue in insurance dispute cases.The fulfillment of that obligation is directly related to the attribution and assumption of the ultimate responsibility.Due to the significant difference between the ways of fulfilling the explanation in internet insurance and traditional methods and the lack of special legislative provisions,some insurance companies choose to disclose exemption clauses in the form of"links",which weakens the actual effect of obligation to explain.The way of fulfilling the obligation should be clarified,the diversification of it should be specified and the evidence-traceable management system should be improved to ensure fair resolution of disputes.

关 键 词：互联网保险 说明义务 保险人 履行标准 

分 类 号：D922.284[政治法律—经济法学]