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新保险法以维护被保险人的利益为目的,对说明义务作了更为严格的规定。虽在立法上明确了保险人对一般合同内容与免除保险人责任条款的说明义务,但仍不够周延,应以条款内容对投保人或被保险人的权益是否有重要影响作为确定保险人说明范围的标准。保险人的说明范围应包括保险合同的部分基本条款、有关投保人或被保险人义务的条款、有关免除保险人责任的条款等内容。
The new insurance law to safeguard the interests of the insured for the purpose of the obligation to make more stringent provisions. Although it is legally clear that the insurer’s obligation to explain the general contract content and the exemption of the insurer’s liability is still not long enough, it should be determined whether the insurer’s or the insured’s rights and interests have a significant influence as the scope of the insurer’s explanation Standard. The scope of the insurer’s instructions should include some of the basic provisions of the insurance contract, the terms of the obligation of the insured or the insured, the terms of the exemption from the liability of the insurer and so on.