投保人告知义务研究

Study on Policy Holders' Informative Obligation

告知义务是诚实信用与契约自由原则在保险法中的具体体现。保险合同融专业性、复杂性和技术性为一体 ,投保人善尽告知的范围应以保险人的书面询问为限。为使保险人能准确衡估危险 ,告知义务主体应扩大及于被保险人。违反告知义务者 ,保险人有权解除合同 ,故意不履行告知义务者 ,对合同解除前发生保险事故造成损失的 ,保险人不负赔偿责任 ;过失未履行告知义务者 ,对合同解除前发生保险事故造成损失的 。

Informative obligation is the concrete embodiment of the principles concerning bona find and freedom of contract in the law of insurance. Insurance contract is an entity of special, complex, and technical nature. The scope of policy holders' informative obligation shall be restricted to insurers' written questions. In order to make insurers accurately weigh and assess the danger, the subject of informative obligation shall be extended to the insured. Where the informative obligation is violated, insurers will have right to terminate their contract. Where the informative obligation fails to be performed on purpose, insurers will not assume the responsibility of compensation for the damage arising from insurance accident taking place before the termination of the contract. Where the informative obligation is not performed negligently, the insurers should in principle assume the responsibility of compensation for the damage arising from the assurance accident happening before the termination of the contract.