保险法理论中通常要求保险合同双方遵守更大的诚实信用原则,基于保险合同的特殊性,我国《保险法》规定了保险人的如实告知义务,这一规定的增加解决了一些保险纠纷问题,但是由于其规定尚有不足,使得一些保险纠纷仍然得不到解决,本文从如实告知义务的履行主体、履行方式、履行时间等几方面提出了完善的建议。 Insurance law generally requires both parties to the insurance contract to abide by the principle of greater honesty and credit. Based on the particularity of the insurance contract, the Insurance Law of the People’s Republic of China stipulates the insurer’s obligation of truthful disclosure. The increase of this provision has solved some insurance disputes. However, There are still some shortcomings in its provisions, so that some insurance disputes still can not be solved. This article puts forward perfect suggestions from several aspects: the main body of fulfilling the obligation of informing, the way of implementation and the time of fulfillment.