我国新修订的《保险法》第16条规定:“投保人故意或者因重大过失未履行前款规定的如实告知义务,足以影响保险人决定是否同意承保或者提高保险费率的,保险人有权解除合同。前款规定的合同解除权,自保险人知道有解除事由之日起,超过30日不行使而消灭。自合同成立之日起超过2年的,保险人不得解除合同;发生保险事故的,保险人应当承担赔偿或者给付保险金的责任。” China’s newly revised “Insurance Law” Article 16: “Insured deliberately or due to gross negligence fail to fulfill the obligations of the previous paragraph, sufficient to affect the insurer’s decision whether to agree to underwriting or raising the premium rate, the insurer the right Cancellation of the contract.The contractual right of cancellation stipulated in the preceding paragraph shall be extinguished if it is not exercised for more than 30 days after the insurer knows that there is a cause of cancellation and the insurance company shall not terminate the contract if the contract is over 2 years from the date of establishment of the contract , The insurer shall be liable for compensation or payment of insurance money. ”