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随着保险行业的不断发展,能够迅速完成交易的效率性和成本的节约性使得保险行业大多数保险合同采用格式条款,而格式条款是保险公司单方面提前定制好的合同内容,保险人只有选择接受或者结束交易,保险人往往本着保护自身利益的目的修订保险合同的格式条款,所以有必要对格式条款加以法律解读和限制,以平衡保险合同双方当事人的利益。
With the continuous development of the insurance industry, the efficiency and cost savings that can be quickly completed make most insurance contracts in the insurance industry adopt the format clauses, while the format clauses are contractual contents prepared in advance by the insurance company unilaterally, and the insurer only has the option Accept or close the transaction, the insurer often revises the clauses of the insurance contract for the purpose of protecting their own interests. Therefore, it is necessary to interpret and limit the clauses of the law in order to balance the interests of both parties in the insurance contract.