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保险缔约信息义务是在合同法的自由原则的基础上,立足保险交易市场的实际,力求从制度理论层面对保险合同的缔结进行重新定位与思考,主要从告知义务与说明义务的相互博弈中,给予进一步的制度完善的理论分析。当然,合同法缔约信息义务本身也存在局限性。本文仅以保险缔约信息义务为视角,对于新《保险法》在保险合同缔结过程中,对于告知义务与说明义务制度的完善的理论分析给予探讨。
On the basis of the free principle of contract law, based on the actuality of the insurance transaction market, the obligation of information contract of insurance is to seek to reposition and think the conclusion of the insurance contract from the institutional theory level. From the mutual game of informing obligation and explaining obligation, Give further theoretical analysis of system improvement. Of course, the contractual obligation to contract information also has its own limitations. In this paper, only from the perspective of the contractual obligation of insurance contract, the new “Insurance Law” in the insurance contract concluded in the process of disclosure of the obligation to explain and explain the system of obligations to improve the theoretical analysis to be discussed.