摘要
保险人对免责条款的提示与说明义务,是保险法对保险人规定的一项基本义务。但保险法并没有明确提示与说明义务的范围、方式以及程度等标准,对此理论上尚存在较大争议,实践中对保险人是否已尽该义务的认定也莫衷一是。若想破解这一问题就需要对该保险人义务的法理基础进行规范分析,防止过分强调倾斜性保护;并以此为指引,结合《中华人民共和国保险法》(文中简称《保险法》)实施情况,着重阐释保险人对免责条款履行提示、明确说明义务的方式,需要在平衡各方利益的基础之上进行,并探析未履行对免责条款的提示与说明义务的法律后果。
The insurer＇ s hint and explanation obligation for the exemption clause is a basic obligation of the insurance law, but it does not clarify the obligation, the way and the degree of standards, which makes it controversial. In the practice, whether the insured has fulfiled the obligation is not agreed on. To solve this problem, the legal basis for the insurer should be analyzed so as to avoid too much emphasis on the tilt protection, and considering ＂The People＇ s Republic of China Insurance Law＂, the interpretation of the insurer specified on the basis of balancing the interests of all parties. This article has also tackled legal consequences if the hint and explanation obligation is undone.
出处
《合肥学院学报（综合版）》
2017年第6期23-28,共6页
Journal of Hefei University：Comprehensive ED
基金
第21届上海师范大学学生科研重点项目"行政处罚与刑事司法衔接问题研究--以证券领域为例"
2016上海师范大学研究生学术沙龙B类项目"经济新常态背景下经济违法行为刑事规制研究--以垄断行为为例"资助
关键词
保险人免责条款
提示与说明义务
法理基础
insurer exemption clause
hint and explanation obligation
legal basis
