保险法中的告知义务制度探析  

Study on the Duty of Disclosure in Insurance Law

作　　者：熊勇[1] 张建军[1] 

机构地区：[1]烟台职业学院德育教学部,山东烟台264000

出　　处：《江苏海洋大学学报（人文社会科学版）》2011年第5期43-45,共3页Journal of Jiangsu Ocean University（Humanities & Social Sciences Edition）

摘　　要：告知义务制度是保险法中一项非常具有特色的制度。目前学者们对告知义务制度的理论依据看法各异,其中危险估计说具有更大的普适性,遂成为通说。告知义务人、告知的形式、告知时间、告知的内容共同组成告知义务的制度架构。在告知义务人主观心理状态不同的情况下,违反告知义务将产生两种不同的的法律后果。Duty of disclosure is a very unique system in insurance law, but scholars have different views on its theoretieal basis, among which the Doctrine of Risk Estimating has become a generally accepted doctrine for its universality. The obligor, form, time and content of disclosure altogether constitute the system of disclosure. If the obligor violates the duty of disclosure as a result of the difference in his state of mind, two different legal consequences are likely to occur.

关 键 词：保险法 告知义务 危险估计说 法律后果 

分 类 号：D925.1[政治法律—诉讼法学]