○福建省永安市人民法院陈云认为:《保险法》第18条规定:“保险合同中规定有关保险人责任免除条款的,保险人在订立保险合同时应当向投保人明确说明,未明确说明的,该条款不产生效力。”至于什么样的说明才能构成“明确”,没有进一步规定。根据免责条款的一般理论,免责条款订入合 ○ Chen Yun, People’s Court of Yong’an City, Fujian Province: Article 18 of the Insurance Law stipulates: “Where an insurance contract provides for the exemption of liability of the insurer, the insurer shall clearly explain to the applicant when entering into an insurance contract that, if not explicitly stated, This clause does not have any effect. ”As for what kind of explanation can we form“ clear ”, there is no further regulation. According to the general theory of disclaimers, the disclaimers are incorporated