摘要
投保人对保险告知义务的违反是心理、经济和环境等多种因素作用的结果。该违反应该具备主客观两个要件,并会招致否定性的法律评价。但是,若存在对告知义务的限制条件,投保人无须承担不利的法律后果。
As a result of the effect of many facts, such as psychology,economy and surroundings, etc, the applicant for insurance fails to perform the informative obligation. Such violation should have both subjective and objective elements, and will lead to a negative evaluation of the law. However, having restrictive conditions to the obligation, the policy holder does not need to undertake the disadvantageous legal consequence.
关键词
告知义务
违反
限制条件
法律后果
Informative obligation
violation
legal consequence
restrictive conditions
