Insurant Inform Obligation Empirical Research

The insurer can risk situation of the standard of effective evaluation is an important guarantee for the smooth operation of the insurance. Each country or region to the goal of better implementation, provisions of the insured in the insurance, related to the subject matter of the insurance or the insured to the insurer to truthfully inform. In our country,"insurance law", informing obligation of the insured is defined as the legal obligation, although according to the usual practice in most countries, but the insurant inform obligation system still exist many problems. When the insurance accident occurs, the majority of the insurer to the insured the real situation did not inform the subject matter of insurance as a pretext, refuse to pay compensation. This shows that China’s "insurance law" the provisions of the relevant content of the duty of disclosure has certain defects in actual judicial application, if not fully play its role, will hinder the development of China’s insurance industry healthy and orderly. This paper expounds the theory content of insurant inform obligation system, and learn from the advanced legislative technology of other countries for reference, the academic point of view, and puts forward suggestions and measures on China’s "insurance law" disclose obligation system.