A Study On The Difference Of The Cross Strait Disclosure Obligation Of Policyholders

Sometimes an accident is inevitable, but people can choose accident compensation. With the social progress and economic development, people’s living standards are greatly improved. Face unknown risks and accidents insurance as a means to avoid and respond to risks of people of all ages. Although the insurance can compensate for property, personal accident can be paid to the damage. When people encounter an accident, the insured can receive accurate estimates and subject-matter insured to truthfully inform policyholders are inextricably linked. So inform obligation to appear in insurance law, the inform obligation as the basis of the insurance industry operation, set up a bridge of communication between the underwriter and policy-holder.With the booming insurance industry, bring economic development prospects at the same time, the problem also arises at this moment. When the author study in Taiwan, he focused on the insurance law of Taiwan. Today, both Chinese mainland and the Taiwan region have a rapid development of the insurance industry. Along with lawmakers to highlight the deficiencies brought trouble.In this paper, the sides of the Taiwan straits insurance policyholders contrasted the differences in the inform obligation, it puts forward countermeasures and hope to learn from advanced in insurance law of Taiwan, improve the terms of the corresponding law in Chinese mainland. Explained from the following aspects:First, explain the significance of the study; Secondly, what did he do to inform obligation and compared the inform obligation in the insurance law.; Third, he detailed the composition of the inform obligation; Fourth, he expounds what is a violation of the inform obligation constitutive requirements and legal effect analysis; Finally, draw conclusions and recommendations.By comparing the two sides of the insurance,the obligation to inform policyholders Continental Insurance Law should make adjustments to the following aspects: Duty to Inform on the subject, for the period to fulfill this obligation, and the way to fulfill the duty of disclosure.