CAJ | 학술논문

我国《保险法》第16条第1款规定了投保人在订立合同时，保险人就保险标的或被保险人的情况提出询问时，投保人应当如实告知。学说及判例多认为投保人的告知义务仅限于告知书所定内容或保险人所询问之内容。但有违保险法之最大诚信原则，应当承认告知书范围之效力的同时，在告知书非记载事项若是属于保险法中之重要事项时，亦应当履行告知义务。
아국《보험법》제16조제1관규정료투보인재정립합동시，보험인취보험표적혹피보험인적정황제출순문시，투보인응당여실고지。학설급판례다인위투보인적고지의무부한우고지서소정내용혹보험인소순문지내용。단유위보험법지최대성신원칙，응당승인고지서범위지효력적동시，재고지서비기재사항약시속우보험법중지중요사항시，역응당리행고지의무。
Chinese Insurance Law article 16, paragraph 1 stipulates that the policy holders should truthfully inform the questions asked by the insurers, related to the insured and the insured subject - matter, when they sign an insurance contract. Theories and cases believe that policy - holder＇ s obligation of informing is limited to content of notification and the question asked by the insurer. But when the principle of utmost good faith is violated, effect of notification should be admitted. And at the same time, when non - recorded items of the notification are specified in the important items of Insurance Law, the policy holder also shall perform the obligation of informing.