投保人负有将与保险标的有关的重要事项告知保险人的义务。告知义务的依据在于它将影响保险人决定是否订立保险合同或决定保险费率。告知的范围限于保险人向投保人询问的事项,除此以外,投保人不负告知义务。如果投保人的告知不真实或有误导,并关系到保险危险,保险人可以错误告知为由而解除保险合同。 The insured has the obligation to inform the insurer of the important matters relating to the subject matter of the insured. The obligation of disclosure is based on the fact that it will affect the insurer’s decision whether to enter into an insurance contract or to decide the premium rate. The scope of the notification is limited to matters that the insurer asks the policy holder. In addition, the insured person is not responsible for informing the insured. If the policyholder’s notice is untrue or misleading and relates to the insurance risk, the insurer may terminate the insurance contract on the basis of the wrong notice.