保险人的说明义务在性质上是一种法定义务，也是一种附随义务和先合同义务。
The insurer's explanation duty is a kind of legal obligation on nature, which is one kind of additional obligation and ahead of the contract too.
由于相关标准的缺失，保险人是否履行说明义务一直是保险纠纷中的争议焦点。
Whether the insurer should implement explanation obligation is always a focus in insurance disputes due to the lack of relevant standards.
合理期待原则作为一种“事后救济机制”，是对保险人缔约说明义务不足或缺失时的一种补充救济措施。
The reasonable expectation principle, as an "after event remedy mechanism", aims to make up for the deficiency or absence of insurer statement.
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