保险告知义务法律问题研究【摘要】近年来，我国保险业发展迅猛，对社会稳定与经济发展有举足轻重的地位。保险合同是最大诚信合同，告知义务是其主要的体现。《保险法》中规定告知义务人须向保险人就保险标的的重要情况作如实说明，在2009年我国修订了新《保险法》，虽然第16条有对告知义务规定进行完善，但还是有点笼统。比如当投保人不同于被保人时，被保人是否属于如实告知义务人：保险合同的复效、续约以及变更时，是否需要再次履行告知义务等等。关于这些问题的不明确规定足以影响保险合同双方的利益，在保险实务中产生广泛的争议与纠纷，从而影响保险市场健康持续的运行。本文以保险告知义务法律问题为研究对象，通过阐述我国保险法中告知义务的基础理论、内容与法律后果，结合保险实务中与告知义务有关的法律纠纷案件，同时参考其他国家与地区的保险立法案例，在告知义务法律问题上提出完善的建议。【关键词】告知义务：保险法：保险合同：法律制度Research on the legal issues of insurance notificationobligation[Abstract]In recent years,China's insurance industry has developed rapidly,which plays an important role in social stability and economic development.Insurancecontract is the biggest good faith contract,and tell obligation is the embodiment ofprinciple of good faith,accordingly tell is the necessary flow that concludes insurancecontract.In the insurance law,it is stipulated that the obligor shall inform the insurerof the important situation of the subject matter insured.In 2009,China revised thenew insurance law.Although article 16 has improved the provisions on the obligationto inform,it is still a little general.For example,when the insured person is differentfrom the insured person,the insured person is the obligor;When the renewal of theinsurance contract and its modification,whether it is necessary to perform theobligation of informing again and so on.The unclear provisions on these issues areenough to affect the interests of both parties to the insurance contract,and generateextensive disputes and disputes in the insurance practice,thus affecting the healthyand sustainable operation of the insurance market.Based on the legal issues in theinform obligation insurance as the research object,this article introduce the basictheory of the inform obligation in our country's insurance law contents and legalconsequences,combined with related to inform obligation in the insurance practice oflegal disputes,at the same time reference case insurance legislation of other countriesand regions,suggest perfecting on the legal issues in the inform obligation[Keywords]Insurance notification obligationInsurance law The legal systemThe insurance contract目录111.3研究意义.…12.保险告知义务制度概述.…3332.2.1在法律层面上：告知义务是法定义务....332.2.3在内容层面上：告知义务是一种不真正义务.…453.1最大诚信说...53.2意思合致说53.3瑕疵担保说..63.4危险估计说63.5对价平衡说64.保险告知义务履行问题研究74.1告知义务的主体.…74.1.1告知义务人..74.1.2告知义务的履行对象784.2.1订立保险合同时..894.2.4保险合同变更时.…