保险消费者权益的合同法保护

作为一种商业性金融服务,保险日益具有个人消费特性。保险产品的技术构成条款相当复杂,而保险合同恰恰又是典型的定式合同。是故保险服务中的消费者权益保护问题益愈突出。对此,保险合同法应当在保险人说明义务、投保人告知义务、合同内容控制、合同解释等几方面有所因应。

On the legal protection of policy-holder

Though more and more people are intrested in insurance,the confusing clauses of its policies are formulated by the party of insurance company alone. As a result policy-holders are not entitled to the rights they should have deserved in view of the situation,insurance law should normalize the contents of contract and stipulate that insurers inform and explain to policy-holders about policy clauses.