通过对英国、美国以及德国保险人告知义务制度的比较可以得出一个结论,商业保险的告知义务规定与社会保险制度完善与否有密切的联系,在我国社会保险制度逐步完善的过程中,对社会保险人告知义务的要求严格程度需要与商业保险的制度配合,才既可以保障被保险人的基本权利,也可以减低制度的重叠,提高运行效率。 By comparing the system of informing obligations of insurers in Britain, the United States and Germany, we can draw a conclusion that the provisions on the obligation to inform commercial insurance are closely related to the perfection of the social insurance system. In the process of gradual improvement of the social insurance system in our country, The strictness of the disclosure obligations of social insurers needs to be in line with the commercial insurance system so as to protect the basic rights of the insured and to reduce the overlap of systems and improve operational efficiency.