保险人的提示义务与明确说明义务、投保人的告知义务是否履行以及对保险人因投保人违反告知义务时合同解除权的行使,直接涉及到保险人需否承担保险责任这一保险经营中的核心问题。然而,保险法中的相关规定却显得相当粗疏,其规定的正当性也值得研讨。这些均需要进一步完善保险人说明义务的立法制度。 The insurer’s obligation of obeying and clarifying the obligation, whether the applicant’s obligation of informing is fulfilled or not, and the exercise of the contractual right of cancellation when the insurer violates the obligation of informing by the insurer are directly related to whether the insurer should bear the responsibility of insurance key problem. However, the relevant provisions of the Insurance Law appear to be quite crude, the legitimacy of its provisions is also worth discussing. All of these need to further improve the insurer’s obligation to explain the legislative system.