审视保险人说明义务

阐述了保险人说明义务在防治保险信息不对称、保障投保人合法权益、维护保险合同的实质公平方面发挥了重要作用,但现行保险法的规定仍存在诸多缺陷。提出该义务应以诚实信用原则为基础进行重新构建,将主动说明与询问回答作为区分一般说明义务与特殊说明义务的标准,并扩张特殊说明义务的范围,同时赋予投保人以变更权和撤销权,以更好地发挥该制度的作用。

The further research on explanation of obligation

The explanation of obligation of the insurer plays an important part in the fields of controlling the information inequality of the insurance market, as well as protecting the rights of the policy holder and keeping the equity of the insurance contract, but there is still much imperfection in the existing law in China. This system should be reformed on the foundation of the principle of honesty and good faith, and it should be the main difference between the general and the special explanation of obligation that the insurer explains the contract initiatively or not. Otherwise, we should extend the object of the special explanation of obligation, and entitle the policy holder the modification rights and cancellation rights of the contract, in order to cause this system function better.