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一、“最大诚信”原则的内涵现代保险是从海上保险发展而来的。投保人向保险人投保海上保险时,保险人决定是否接受承保及如何确定保险费率,要凭投保人的告知,因此,最大诚信原则是维持保险业务正常进行必不可少的前提条件,是基于经济效益的原理,与一般民事活动所遵循的诚信原则相比较,保险活动中对当事人的诚信要求更加严格,加之保险本身具有特殊性,保险中的诚信原则被称为最大诚信原则。
First, the meaning of the principle of “maximum integrity” Modern insurance comes from the development of marine insurance. Therefore, the principle of utmost good faith is an indispensable prerequisite for maintaining the normal operation of the insurance business. It is based on the principle that the insurer should insure whether or not to accept the underwriting and how to determine the insurance premium. The principle of economic benefits, compared with the principle of good faith followed by general civil activities, requires more rigor to the integrity of the parties involved in the insurance activities. In addition, the insurance itself has its own particularity. The principle of sincerity in insurance is called the principle of utmost good faith.