analysis of the insurance act duty to inform（分析保险通知行为的责任）.doc

Analysis of the Insurance Act Duty to Inform Abstract the main obligation of truthful disclosure should be insured, do not include the Insured. Truthfully inform the scope should be limited to the inquiry of the insurer, the insurer did not ask matters, even as an important event, the insured who assumes the obligation to inform. Before in the conclusion of the insurance contract, the insured bears Duty to Inform. Should be based not truthfully inform the important fact that the risk assessment of insurers require different legal consequences, and the introduction of proportional penalty rules. Insured, the main obligation of truthful disclosure, the scope of time for performance and legal consequences of proposed changes to the ‘Insurance Law’ and judicial interpretation. Paper Keywords Insurance Act insurance contract the insured Duty to Inform Truthfully inform obligations on the insurance law is an important manifestation of the Insurance Act maximum integrity principle of, is before the conclusion of the insurance contract, advise the obligations of the insurer underwriting the risk of related matters inform the insurer, to enable the insurer to accurately assess the risk and decide whether to underwriting and insurance rate. The 2009 amendments to the Insurance Act Section 16 seven provisions of the insured Duty to Inform, the introduction of a waiver no estoppel system, trying to make a comprehensive Duty to Inform, operational requirements, showing legislative efforts and progress. ‘Insurance Law’ Article 16 provides that also brings many new problems, generated a lot of controversy in the judicial practice, the Supreme People’s Court on Several Issues in the Application of the Insurance Law of the People’s Republic of China explained (b) (draft) ‘ the interpretation made by the insured Duty to Inform unreasonable, has further need to improve. In this paper, the Duty to Inform several important issues, and put forward the ‘Insurance Law’ Artic