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被保险人在履行危险增加通知义务时,应当将保险合同履行过程中发生的显著、持续增加的危险状况通知给保险人,这种增加是保险人在订立合同时所估计不到的;投保人应当与被保险人同样负有危险增加的通知义务;投保方依据保险单中规定的方式履行通知义务,如果保险条款规定以书面形式履行,保险人应当就此条款在订立合同时向投保方说明;投保方适当履行通知义务,在保险人没有做出选择救济方式之前危险增加的事故发生,应当根据危险增加的原因判定保险人是否承担保险责任。
When insuring an obligation to increase its notice of danger, it shall notify the insurer of the notable and continuously increasing danger that has occurred during the performance of the insurance contract, which is not estimated by the insurer at the time of conclusion of the contract. The insured The insured party shall bear the obligation of notification as dangerous as it is added to the insured. The insuring party shall perform the notification obligation in the manner prescribed in the insurance policy. If the provisions of the insurance clause are fulfilled in writing, the insurer shall, at the time of conclusion of the contract, The insuring party properly fulfills the obligation of notification. If the insurer fails to make any choice to remedy the accident, the insurer shall decide whether the insurer assumes the insurance liability or not according to the reasons for the increased risk.