《保险法》已经过两轮修订,但无论在理论还是实践层面,仍然存在不足之处。理论层面上,没有提及近因原则、合理期待原则,在规定如实告知义务、请求权的消灭期间、维护保险标的的安全、危险程度的增加等等上都存在疑点。 The Insurance Law has been amended by two rounds, but there are still some shortcomings both in theory and in practice. At the theoretical level, there is no doubt that there is no mention of the principle of proximate cause, the principle of reasonable expectation, the requirement of truthful disclosure of obligations, the elimination of claims, the safeguard of the subject matter of insurance and the increase of the degree of danger.