试论保险合同之特约条款

On the Special Clause of the Contract of Insurance

特约条款为当事人在保险合同基本条款外自由约定的条款,旨在于控制危险和变更基本条款内容。学界虽然对其内容、形式、与基本条款的效力,以及特约条款违反后的法律后果有过论述,但是仍有商榷的余地,值得进一步研究。

The special clause refor to parties＇ free and appointed clause outside the condition clause of contract of insurance, Its purpose lies in controlling danget and basic clause content of the change. There is leeway to discuss, which is worth studying further,although many scholas have studied its content, forms, effect, and legal consequence after being violated.