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保险告知义务制度是保险业合理营运的基石,关系到保险合同的命运。在保险法上扮演着重要的角色。然而我国《保险法》有关保险告知义务制度的规定还存在不少漏洞,从而导致了很多纠纷的产生。本文试图通过对告知义务的理论研究,结合保险实务,并借鉴国外的有关法规规定,构建一个完整的告知义务理论体系和规范体系。以期通过立法的改进,减少和避免纠纷的发生,保护保险合同当事人双方的利益,促进保险业的健康发展。
Insurance reporting obligation system is the cornerstone of the insurance industry reasonable operation, related to the fate of insurance contracts. Play an important role in insurance law. However, there are still many loopholes in China’s “Insurance Law” about insurance disclosure obligation system, resulting in a lot of disputes. This article tries to construct a complete theory system and normative system of inform obligation through theoretical research of informing obligation, combining with insurance practice, and drawing on the relevant foreign laws and regulations. With a view to improving the legislation, reducing and avoiding the occurrence of disputes, protect the interests of both parties to the insurance contract, and promote the healthy development of the insurance industry.