本文对被保险人告知义务的法律依据、法律后果及确定标准进行探讨 ,认为应当在立法中明确最大诚信原则作为告知义务的法律依据 ;应当改变我国法律对保险人的救济措施 ,变有权解除合同为撤销合同 ;同时随着社会的发展 ,告知义务的标准应当降低 This article explores the legal basis, legal consequences and the criteria for the insured’s obligation of informing, and considers that the principle of maximum faith should be clarified in the legislation as the legal basis for informing obligations. The remedy measures for insurers in our country should be changed, The contract is to cancel the contract; at the same time, with the development of society, the standard of informing obligation should be reduced