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我国保险法对被保险人权利义务的规定笼统而原则,对于人身保险合同中投保人与被保险人不为同一人时后者的知情权更是只字未提。从“黄梅根一案”的发生,引发我们对被保险人知情权的关注。保护被保险人知情权有其合理的法理基础和现实基础,同时,知情权的实现还必须具备一定的条件,并且应当由投保人承担发送保险合同变更通知的义务。
The stipulation of our country’s insurance law on the rights and obligations of insured persons is general and principle. When the insured and the insured are not the same, the latter’s right to know is even more silent. From the “case of Huang Meiken case”, triggering our concern about the insured’s right to know. The protection of the insured’s right to know has its reasonable legal basis and realistic basis. At the same time, the realization of the right to information must also have certain conditions, and the insured should bear the obligation to send notice of the change of insurance contract.