团体保险是以团体为保险对象,用一张总的保险单对一个团体中的成员提供保险保障的保险。鉴于团体保险的特殊性,建议我国《保险法》应当规定:企业、事业单位对其员工基于劳动或者雇用关系,具有保险利益;明确人身保险利益的存续时间;赋予团体保险的投保人变更与解除合同的权利,但该权利不可滥用,既要公平又要有所限制。 Group insurance is a group insurance, with a total insurance policy for members of a group to provide insurance coverage insurance. In view of the particularity of group insurance, it is suggested that China’s “Insurance Law” should stipulate that enterprises and institutions have insurance benefits for their employees based on their employment or employment relationship, that the duration of benefits of personal insurance should be clarified, and that changes and cancellation of insurance policies for group insurance However, this right must not be abused. It is fair and restrictive.