摘要
如实告知义务作为一项重要的保险法律制度,是规避投保风险和优化保险环境的重要手段。我国《保险法》明确规定了如实告知义务,但是在保险实务中还存在诸多争议,制约着如实告知义务在司法实践中正常功能的发挥。由此,有必要展开对投保人如实告知义务的研究,加强对保险实务中如实告知义务的法律规制,以确保如实告知义务的合理配置和正当行使,完善我国保险法律制度,促进保险行业的健康发展。
As an important legal system of insurance,the obligation of truthful disclosure is an important means to cir- cumvent the insurance coverage risks and optimize the environment. China＇ s Insurance Law clearly defines the obligation of truthful disclosure, but there are still a lot of controversies in the insurance practice, which restrict the normal func- tion of the obligation to truthfully inform in judicial practice. Thus, it is necessary to initiate a study on the insured obli- gation to truthfully inform, strengthen the insurance practice of legal regulation of the disclosure obligation, ensure its le- gitimate exercise of reasonable, improve the legal system of China＇ s insurance and promote the healthy development of the insurance industry.
出处
《开发研究》
北大核心
2014年第4期73-76,共4页
Research On Development
关键词
保险合同
如实告知
法律规制
insurance contracts
truthfully inform
legal regulation
