保险合同是信息不对称合同。保险合同的信息不对称必将导致逆向选择与道德风险。为了有效规避信息不对称的风险,保险法应进一步规避隐藏在信息不对称下的各种风险。我国保险法虽然对当事人的义务进行了一些规定,但还有很大空白和需要完善的地方。 Insurance contracts are asymmetric information contracts. Asymmetric information in insurance contracts will inevitably lead to adverse selection and moral hazard. In order to effectively avoid the risk of information asymmetry, the insurance law should further avoid the various risks hidden in the information asymmetry. Although the insurance law in our country has made some provisions on the obligations of the parties, there is still a big gap and areas for improvement.