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我国《海商法》第222条规定了被保险人的如实告知义务。但该条规定仅设置了简单的权利义务关系模式,一些具体事项仍未考虑。为了更好实现保险人和被保险人双方利益衡平,现行的告知义务法律规则亟待完善。本文对第222条的法律内容作了若干分析和思考,建议进一步完善告知义务的履行时间和履行主体,并在今后的立法中引入“谨慎保险人”标准,确立“决定性影响”标准。
Article 222 of China’s Maritime Code stipulates the insured’s truthful disclosure obligation. However, the article provides only a simple model of rights and obligations, some specific issues have not yet been considered. In order to better balance the interests of both the insurer and the insured, the legal rules of the current obligation of disclosure urgently need to be improved. This article makes a number of analyzes and reflections on the legal content of Article 222. It proposes to further improve the fulfillment time and performance of disclosure obligations and introduce the standard of “insurers” in the future legislation to establish the “decisive influence” standard.