随着广大居民对保险产品消费的逐渐增多,消费者与保险公司之间的纠纷不断增加。在保险公司与消费者的众多纠纷中,关于保险人未尽说明义务产生的纠纷不在少数。我国2009年最新修订的《保险法》第17条体现了对这个问题的重视,对于免责条款、说明方式等内容进行了修改,但是其中依然存在一定的不足。为了保证新《保险法》的顺利实施,保护投保人以及被保险人的利益,还应对此项条款进行一定的改进。 With the increasing consumption of insurance products by the majority of residents, the number of disputes between consumers and insurance companies is on the increase. Among the many disputes between insurers and consumers, there are not many disputes about the insurer’s failure to explain its obligations. Article 17 of China’s newly revised “Insurance Law” in 2009 reflects the importance attached to this issue, and has made some revisions to the exemption clauses and explanations. However, there are still some shortcomings. In order to ensure the smooth implementation of the new “Insurance Law” and protect the interests of the insured and the insured, some improvements should be made to this clause.