论保险法上的告知义务——兼论我国《保险法》第16条的完善

On disclose obligation in insurance law——On the No.16 article of China "insurance law" perfection

保险告知义务是保险法上最大诚信原则的重要体现之一,它要求保险告知义务承担人在订立保险合同时,应将其所了解的有关保险标的的一切重要情况如实告知保险人或其代理人,不得有任何隐瞒、遗漏、误述或欺作。对此,我国《保险法》第16条有相应的规定,但该规定仍有不足。本文从国外保险立法的相关规定入手,对保险告知义务的主体、告知义务的内容及告知义务产生的法理基础等方面进行了论述,在此基础上对我国《保险法》第16条的完善作了些许思考。

The obligation of insurance informing is one of the important manifestation of the principle of utmost good faith,which requires the persons who bear the obligation of insurance informing to truthfully inform insurer and his agents of all the important things about the insuring objects that he knows when entering into the insurance contracts,without making any concealment,omission,misrepresentation or deception.In this regard,China＇s ＂Insurance Law＂ makes provision correspondingly in Article 16,but the provision is still inadequate.This paper discusses the subject and content and legal basis of the obligation of insurance informing starting with the relevant provisions of foreign insurance legislation,on which makes a little sound thinking about the Article 16 of China＇s ＂Insurance Law＂.