| 论保险合同中的告知义务 |
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| 引用本文： | 姜建明,黄涧秋.论保险合同中的告知义务[J].徐州师范大学学报(哲学社会科学版),2003,29(3):108-111. |
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| 作者姓名： | 姜建明 黄涧秋 |
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| 作者单位： | 苏州大学,法学院,江苏,苏州,225021 |
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| 摘 要： | 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。
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| 关 键 词： | 投保人 保险人 告知义务 保险合同 瑕疵担保 危险测定 诚信 |
| 文章编号： | 1007-6425(2003)03-0108-04 |
| 修稿时间： | 2003年4月25日 |
On the Duty of Representation Under Insurance Contract |
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| JIANG Jian-ming,HUANG Jian-qiu.On the Duty of Representation Under Insurance Contract[J].Journal of Xuzhou Normal University(Philosophy and Social Sciences Edition),2003,29(3):108-111. |
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| Authors: | JIANG Jian-ming HUANG Jian-qiu |
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| Abstract: | It is universally agreed that there is an affirmative duty on the part of the applicant to disclose to the insurer all
material facts---those that would influence the insurer in deciding to issue the policy of insurance, or to issue it only at
a particular level of premium. The applicant believes that all of the information required by the insurer has been obtained, and that they are under no obligation to disclose more. If a representation of the applicant is untrue or misleading, and tends to the risk, the insurer can use this misrepresentation as grounds for avoidance of the policy. |
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| Keywords: | the applicant the insurer representation avoidance |
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