保险人免责条款说明义务研究

发布时间：2018-12-17 17:35

【摘要】：我国保险法第十七条有两层含义,一是关于格式条款：向投保人说明内容。二是关于免责条款：引起投保人注意的提示,还要作出明确说明。在司法实务中,明确说明、提示义务,已经成为保险合同诉讼案件争议的焦点。受诉法院以保险人未履行明确说明义务以及对法律禁止性的行为向投保人履行了提示义务为由,判定免责条款对保险公司不生效的案例皆是。所以本文从司法实践中出现的各类案件出发,结合司法实践中出现的问题,分析保险人就免责条款说明义务所存在的问题,提出个人意见,促进保险制度的发展和完善,并给予审判实务中些许思考。基于以上问题的思考及在审判实务中的感受,笔者通过大量资料整理以及对审判实务中的案例进行分析,试提出一些完善意见。本文分为引言、正文和结语,其中正文部分主要从保险合同格式条款的基本情况出发阐明格式条款的基本理论,进而引出保险人免责条款说明义务,并对保险人说明义务理论基础进行了阐述；其次通过审判实务中的相关案例提出问题；再次对案例进行法律说理；最后针对说明、提示方式、法律后果、国内外制度借鉴等提出完善及建议。
[Abstract]:The 17 th article of insurance law of our country has two layer meaning, one is about form clause: explain to policy-holder content. The second is about exemption clause: the prompt that causes policy-holder attention, still want to make clear explanation. In judicial practice, explicit explanation and prompt obligation have become the focus of dispute in insurance contract litigation cases. On the basis of the fact that the insurer failed to perform the obligation of explicit explanation and the act of prohibiting the law to perform the obligation of presentation to the policy holder, the court ruled that the exemption clause was not effective for the insurance company. Therefore, from the various cases in judicial practice, combined with the problems in judicial practice, this paper analyzes the problems existing in the insurer's explanation of obligations on exemption clauses, puts forward personal opinions, and promotes the development and improvement of the insurance system. And give trial practice a little thought. Based on the thinking of the above problems and the feelings in the trial practice, the author tries to put forward some perfect suggestions through a great deal of data arrangement and the analysis of the cases in the trial practice. This article is divided into preface, main body and conclusion, in which the main body part mainly starts from the basic situation of the insurance contract format clause to expound the basic theory of the form clause, and then leads to the insurer exemption clause explanation duty. The theoretical basis of the insurer's obligation to explain is also expounded. Secondly, through the trial practice of the relevant cases to raise questions; again to the case of legal reasoning; finally, in view of the explanation, prompt way, legal consequences, domestic and foreign system reference and so on to put forward the perfect and the suggestion.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

【共引文献】