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因义务违反法律后果架构过于刚性加剧市场弱者保护与保险技术维护之间的矛盾,保险告知义务制度遭遇法院的策略性规避。对告知义务违反法律后果进行多元化改良,是国外保险立法的成功经验,在我国也具有可行性。未来告知义务立法完善应拓展比例赔付规则的适用范围。
Due to the obligation to violate the legal consequences of the structure is too rigid and aggravate the protection of the weak market and the protection of insurance technology between the contradictions, the system of insurance disclosure obligations encountered court circumvention. It is a successful experience of foreign insurance legislation to diversify the notification obligations against the legal consequences and is also feasible in our country. Future inform obligation to improve the legislation should expand the scope of the application of proportional compensation rules.