故意违反如实告知义务时,保险法第16条的解除权和合同法第54条的撤销权的适用应采用权利竟合选择说。欺诈性不如实告知下,保险人可以行使撤销权维权,但立法应对该撤销权的行使设置一定的最长期间。 In the case of intentional violation of the obligation of truthful disclosure, the right to cancel the application of Article 16 of the Insurance Law and the right of revocation of Article 54 of the Contract Law shall be used as an option. If the fraudulent disclosure is not truthful, the insurer may exercise the right of cancellation, but the legislation should set a certain maximum period for the exercise of the right of cancellation.