作　　者： ; ;

机构地区： 东莞理工学院政法学院政法系

出　　处： 《特区经济》 2006年第10期331-333,共3页

摘　　要： 现金价值条款引发的保险合同纠纷很多。究其原因,在于选词不准、说明不当、投保人疏忽等方面。对现金价值条款理解有争议,人民法院或者仲裁机关应当作有利于被保险人和受益人的解释。未履行现金价值条款说明义务,合同可撤销；保险人要承担缔约过失责任。因此,保险实务中要注意：现金价值条款应尽量通俗化；保险人及其代理人应如实准确履行现金价值条款说明义务；投保人应充分行使知情权,科学确定是否退保及退保时机等。 The provisions on cash value in the insurance contract triggered many disputes. The reason lies in the improper word , Inadequate explanation, negligent right to know, etc. The people＇ s court or arbitral bodies should be conducive to the applicant and beneficiaries if there is isputed understanding of the provisions on the cash value. Failure to fulfil note obligations on cash value terms, the contract can be revoked and insurers have to bear the liability. Therefore. it is necessary to pay attention to substantive insurance ： cash value provisions should be accessible： insurers and their agents should honestly perform accurate note obligations; the applicant should fully exercise their rights to know. scientifically determine whether or not to refund and refund time.

关 键 词： 现金价值 知情权 说明义务

领　　域： [经济管理]