信息不对称下投保人告知义务的法律规制

Legal Regulation on the Disclosure Obligation of the Insured under Information Asymmetry

告知义务所需要解决的主要是投保人与保险人之间的信息不对称问题,而信息不对称在保险合同的签订与执行过程中会引发道德风险,进而损害保险业的发展。我国《保险法》虽然规定了这一制度,但是对于制度的实体内容(如应该披露的内容等)、程序规定(披露的时间等)尚存欠缺,在司法实践中也引发了不同的争议。本文探讨了这些司法的疑难问题,为《保险法》的实践提出意见。

This paper mainly discusses the disclosure obligation of the insured which is stipulated in Clause 16 of Insurance Law.The disclosure obligation mainly aims to solve the problem of information asymmetry between the insurer and the insured.Information asymmetry is likely to arouse moral hazard in concluding and executing the insurance contract,which adversely jeopardizes the development of insurance.However,though China＇s Insurance Law has set up the system,the substantive contents（e.g.what to be disclosed,etc.） and procedural provisions（e.g.the time to disclose,etc.） are not sufficiently specified in the law,which leads to disputed in judicial practices.This paper probes into the difficult issue to give some suggestion for Insurance Law.