告知义务为保险法上的一项古老而常新的重要内容,其法理基础为“诚危说”(诚实信用与危险测定)。德国、日本、台湾地区、英美等保险法对告知义务的相关规定,殊值借鉴。《保险法司法解释(二)》第5、6条应该予以完善,确立告知义务的履行期为“保险合同生效前”、告知义务主体为投保人或被保险人,对告知义务的内容之“有关情况”采取列举主义,询问方式采取书面询问模式,并对“概括性条款”予以区分。 The duty to inform is an ancient and often new important part of the insurance law. Its legal basis is “honesty and danger” (honesty and credit and risk determination). Germany, Japan, Taiwan, Britain and the United States and other insurance law on the obligation to inform the relevant provisions of the special reference. Articles 6 and 6 of the Insurance Law Judicial Interpretation (II) should be perfected. The period for fulfilling the obligation of disclosure should be “before the insurance contract takes effect”, and the subject of the obligation of disclosure is the policy holder or the insured. The contents of the obligation of disclosure “Relevant Situation ” Take the enumerationism, ask the way to take a written inquiry mode, and “general terms ” to be distinguished.