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保险合同中的告知义务或披露义务意味着双方当事人要在订立合同之前以及在合同过程之中披露与风险有关的真实情况。文章以理论和实证的角度,从告知义务人的范围、告知义务履行的时间与方式、应告知事项、违反告知义务的构成、违反告知义务的后果等五方面分析保险合同中的告知义务的现行立法,并探讨理顺《保险法》告知义务立法的方案。
The obligation of disclosure or disclosure in an insurance contract means that both parties disclose the true context of the risk before entering into the contract and during the contract. The article analyzes the current obligation of disclosure in the insurance contract from five aspects: the scope of the obligor, the time and manner of informing the obligation, the time and the way of informing the obligation, the constitution of violating the obligation of informing, the consequence of violating the obligation of informing. Legislation, and explore ways to straighten out the “insurance law” obligation to inform the legislative program.