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。%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.
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