保险单现金价值条款纠纷案的相关分析

现金价值条款引发的保险合同纠纷很多。究其原因,在于选词不准、说明不当、投保人疏忽等方面。对现金价值条款理解有争议,人民法院或者仲裁机关应当作有利于被保险人和受益人的解释。未履行现金价值条款说明义务,合同可撤销；保险人要承担缔约过失责任。因此,保险实务中要注意：现金价值条款应尽量通俗化；保险人及其代理人应如实准确履行现金价值条款说明义务；投保人应充分行使知情权,科学确定是否退保及退保时机等。

Insurance policy cash value article dissension case's relative analysis

The provisions on cash value in the insurance contract trig- gered many disputes.The reason lies in the improper Word,Inadequate explanation,negligent right to know,etc.The people's court or arbitral bodies should be conducive to the applicant and beneficiaries if there is is- puted understanding of the provisions on the cash value.Failure to fulfil note obligations on cash value terms,the contract can be revoked and in- surers have to bear the liability.Therefore,it is necessary to pay attention to substantive insurance:cash value provisions should be accessible;in- surers and their agents should honestly perform accurate note obligations; the applicant should fully exercise their rights to know,scientifically de- termine whether or not to refund and refund time.