论投保人如实告知义务

The Truthfully Informing Obligation of Applicant

如实告知义务作为保险法上一项特别重要的法律制度,它要求投保人将与保险标的和被保险人有关的、影响保险人决定是否承保及是否提高保险费率的重要事项告知给保险人,以使保险人合理公平定价,是民法诚实信用原则和商法技术性特征的体现。结合保险法业务发展的实际情况,如实告知义务制度在运行过程中依然存在问题,应当对告知义务人的范围,履行告知义务的时间和内容等具体内容给予进一步的完善。

The truthfully informing obligation,as an insurance legal system of great im- portance,needs applicant to inform insurer important matters related to insurance subject and the insured, influencing insurer determine whether to accept insurance and increase insurance fees or not, to price fairly and reasonably for insurer. The obligation adheres to the principle of good faith in the civil law and the technical character in the commercial law. However ,it is advised to give further improvement concerning the scope of inform obligation, the time and details to fulfill inform obligation, since there appears many problems on the op- eration of truthfully informing obligation legislative system in insurance practice.