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保险合同包含死亡责任,但没有得到被保险人书面同意,因此依照保险法的规定合同无效,针对合同是否有效的不同认定,当事人提出了不同的权益主张。 这种理赔纠纷是应当也是可以避免的。
The insurance contract contains the responsibility of death, but without the written consent of the insured, the contract is invalid in accordance with the provisions of the Insurance Law. Different rights and interests are claimed by the parties in view of the different validity of the contract. Such claims disputes should and can be avoided.