保险人说明义务

第一部分：保险人说明义务基本理论问题。

The first part : Basic problem of the insurer 's explaining-duty system .

保险人说明义务法律制度兼具理论特征与实践意义。

The underwriter demonstrative obligation legal system theory and practical significance with characteristics .

保险人说明义务研究

Study on the Explaining Obligation of the Insurer

在克林顿的事务中，选票率说明道义上的要害。保险人说明义务是我国保险法的开创性规定。

Votes are the moral imperative in his business . China 's Insurance Law stipulates the insurer 's obligation of explanation .

指出保险人说明义务不是基于保险合同成立后产生的约定义务，而是法律直接规定的法定义务。

It points out that insurer explanation obligation is not contractual obligation after the insurance contract is signed but legal obligations regulated directly by law .

大陆法系国家也都具有与保险人说明义务制度相似的规定。我国保险法虽然起步较晚，但创设性地规定了保险人说明义务。

Civil law countries also have the similar Requirements with the insurers ' illustrate obligation . Although the Insurance Law in China started late , but provided the creation of " the insurers ' illustrate obligation " and In the tradition .

在此情形下，进一步完善商业保险人说明义务，可以使处于弱势地位的投保人或被保险人在订立保险合同时降低订约风险，相应地也能提高商业保险人的注意义务。

In this case , the perfection of the obligation of description , can reduce the risk of the insured who is in a weak position at the conclusion of insurance contracts , insurance contracting information collection and exchange , also improve the duty of care of the insurers .

试论保险人的说明义务

On Explanation Duty of Insurer

除导论外，本文正文分为三个部分对保险人明确说明义务制度进行论述。

In addition to introduction , the paper is divided into three parts to discuss the insurer explanation .

保险人的说明义务，是保险法的一个较新而又独特的制度，乃保险业合理营运之制度基石；

As a new and special system , the explaining obligation is foundation of the operation of insurance industry .

我国保险人的说明义务制度虽然已经基本建立起来，但还存在很多不完善之处。

The insurers ' illustrate obligation system of china has been basically established , but there are many imperfections .

合理期待原则作为一种事后救济机制，是对保险人缔约说明义务不足或缺失时的一种补充救济措施。

The reasonable expectation principle , as an " after event remedy mechanism ", aims to make up for the deficiency or absence of insurer statement .

保险人的说明义务在性质上是一种法定义务，也是一种附随义务和先合同义务。

The insurer 's explanation duty is a kind of legal obligation on nature , which is one kind of additional obligation and ahead of the contract too .

该部分首先分析了我国完善保证制度的必要性，然后从保证的概念、认定、法律后果、保险人的说明义务以及豁免条款五个方面提出了完善保证制度的建议。

This part analyzes the necessity of improving warranty in our country and gives some legislative suggestions to perfect it , including the concept , cognizance , legal consequences , insures ' instructions obligations and exemption clauses .

第四章主要针对保险人违反说明义务进行探讨，提出应当将免责条款分为法定免责条款和自定免责条款进行分别规定。

The fourth chapter mainly aims at the insurer to violate explanation duty to carry on the discussion , proposed that must divide into the disclosure the legal disclosure and from decides the disclosure to carry on stipulated separately .

笔者主要分析了明确说明义务所涉及免责条款范围在实践中的争议，进而提出免责范围厘定的基本思路，并重点剖析了保险人明确说明义务的例外情形。

I mainly analyze the clear obligation involved in the controversy of the exemption provisions in practice , then put forward the basic ideas the Disclaimer range determined , and focused analysis of the clear obligations of the insurer exceptions .

由于相关标准的缺失，保险人是否履行说明义务一直是保险纠纷中的争议焦点。

Whether the insurer should implement explanation obligation is always a focus in insurance disputes due to the lack of relevant standards .

该案一、二审判决结果迥异，造成这一重大差异的直接原因就是一、二审法院对保险人所负提示说明义务的理解有所不同。

In this case , the second trial results are different , the major difference is the direct cause of a court of second instance for the insurer , the negative understanding of the obligations of different tips .

随后参照对比日本保险法，指出日本保险法在保险人说明义务范围方面的优点。

In contrast with Japanese insurance law , this thesis points out the advantages of the insurer explaining liability in Japanese insurance law .

保险业的有序发展和稳健经营依赖于告知义务的合理构建。第一部分我从保险人说明义务的一般理论出发，厘清保险人说明义务的概

The order development and moderate manage of insurance industry depend on the rational structure of disclosure obligation . So we must pay attention to the disclosure obligation of insurer to protect fair

不可否认，目前我国保险业出现的诸多问题其产生的原因十分复杂，但作为诚信和公平保险交易的基本法律保障的保险人说明义务制度在立法上很不完善应该就是一个重要原因。

Undeniable , it is very complicated for the reasons of causing current problems in the insurance industry . But as honesty and fairness of the basic legal safeguard for insurance trade , the Insurer explaining liability regime system in legislation is not perfect should is one important reason .