目前 ,保险公司面临投保人不履行如实告知义务的问题比较严重 ,也将影响保险合同的质量。投保单中被保险人健康状况告知不实是由多种原因造成的 ,其中投保人对如实告知义务认识不足以及对投保单询问事项不了解是主要原因。保险公司可通过制作投保单副本加强对投保人如实告知义务的宣传 ,提高投保单的填写质量 ,从而防范投保人在投保时“告知不实”现象的发生。 At present, the problems that insurers face when insurance policyholders fail to fulfill their obligation of truthful disclosure are more serious, and the quality of insurance contracts will also be affected. The insured person’s health status in the insurance policy is falsely reported due to many reasons, among which the policyholder’s ignorance of the truthful notification obligation and the lack of understanding about the policy question are the main reasons. Insurance companies can enhance the publicity of the insured’s truthful disclosure obligation by making a copy of the insurance policy and improve the quality of the insurance policy, so as to prevent the policyholder from “informing the false” when insuring the insurance policy.