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我国《保险法》第十六条第一款确立了投保人的如实告知义务。2013年6月7日最高人民法院发布了《保险法司法解释二》,2015年9月21日,最高人民法院审议并通过了《保险法司法解释三》,对如实告知义务进行了制度上的完善。然而,被保险人是否应当成为告知义务的承担者、《保险法》法中“兜底询问条款”在司法实践中的合理适用以及告知内容中“重要事实”的判断依据等各方面还存在很多不足。因此本文对告知义务的以上几个方面进行检讨,以期能对保险法律实务有所帮助。
The first paragraph of Article 16 of the Insurance Law of the People’s Republic of China has established the obligation of informing the insured truthfully. On June 7, 2013, the Supreme People’s Court promulgated the “Judicial Interpretation 2 of the Insurance Law.” On September 21, 2015, the Supreme People’s Court reviewed and passed Judicial Interpretation 3 of the Insurance Law, and systematically improved the truthful disclosure obligation. However, whether the insured should become the undertaker of the obligation of disclosure, the “Insurance Law” in the law, “inquiring about the terms ” in the judicial practice and the reasonable application of "important facts There are many deficiencies. Therefore, this article reviews the above aspects of the obligation to inform, with a view to helping insurance law practice.