人身保险中如实告知义务的作用

On the Role of Truthful Disclosure Obligation in Life Insurance

如实告知义务是《保险法》中的一项基本义务。保险业的发展必须依靠完善的《保险法》作为法律依据,而《保险法》目前在人身保险的条款中存在两个明显问题:告知义务主体不完善、告知义务的履行期限未做规定。长久以来,学术界和司法实践都对这两个问题持不同观点。所以,对现有告知义务进行研究,并提出针对如实告知义务的完善建议,对《保险法》和保险行业的发展是十分重要的。

The obligation of truthfully disclosure is a basic obligation in the Insurance Law.The development of the insurance industry should rely on the perfect Insurance Law as the legal basis;however,there are still two obvious problems in the provisions of life insurance regarding the disclosure obligation of Insurance Law:the imperfect subject and the unspecified performance period.For a long time,the academic circle and the judicial practice have held different views on these two issues.Therefore,it is very important to study the existing disclosure obligations and to propose perfect suggestions for the development of Insurance Law and the insurance industry.