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【裁判要旨】保险人在订立保险合同过程中,对隐性免责条款未向投保人明确说明,该条款不产生法律效力,保险人应按合同约定支付保险金。
Referee summary In the process of entering into an insurance contract, the insurer does not explicitly explain the implicit exemption clause to the applicant. This clause does not have legal effect and the insurer pays the insurance premium as agreed in the contract.