保险告知义务确立的法理规则决定了告知义务违反后保险人解约权的行使应受到限制,以期体现其终极意义的价值判断,真正实现法律在生活中的公平正义目标。该法理规则体现了对解约权行使的限制,避免权利滥用。本文介绍了告知义务确立的法理规则,继而基于此规则介绍了解约权行使的限制规则,以期初步探讨规范告知义务的相关规则。 The legal rules established by the insurance disclosure obligation determine that the exercise of the right of termination by the insurer after the disclosure obligation is violated should be limited so as to embody the ultimate value judgment and truly achieve the legal fairness and justice in life. The legal rules reflect the restrictions on the exercise of the right to abstain and avoid abuse of rights. This article introduces the legal rules established by the obligation of disclosure, and then introduces the rules of restriction on the exercise of the right of abstention based on the rules so as to discuss the relevant rules that regulate the disclosure obligations.