诚实信用原则是所有国家民、商事法律的基础,被奉为现代债权法的最高指导原则,学者称之为“帝王规则”,我国《民法通则》第4条亦将诚实信用规定为我国民法基本原则。保险最大诚信原则初期主要是保险人约束投保人的工具,为保护投保人利益,防止个别保险人恶意抗辩,各国保险立法相继修订,将该原则同时适用保险人和投保人。传统保险理论对最大诚信原则适用于投保方方面论述已较完备,本文拟 The principle of good faith is the foundation of all people’s and commercial laws of all countries and is regarded as the supreme guiding principle of modern creditor’s rights law. Scholars call it the “imperial rule.” Article 4 of China’s General Principles of Civil Law also stipulates the principle of good faith as the basic civil law in our country in principle. The principle of the principle of maximum integrity of insurance is mainly the tool for the insurer to bind the insured. In order to protect the interests of the insured and prevent the malicious protections of individual insurers, the insurance legislation in different countries is amended one after another. The principle applies to both the insurer and the insured. The traditional insurance theory on the principle of the principle of maximum faith applies to the insured parties have been more complete discussion of this article