论保险“霸王条款”的治理

On Rectification of the Insurance Unfare Item

保险"霸王条款"是保险公司严重违反保险法最大诚信原则的表现,是利用自身优势强加给投保人或被保险人的不平等条款,严重侵害了投保人或被保险人的合法权益,阻碍了保险业的健康发展,必须从立法、司法、执法、法律监督等方面加以规制。

The insurance unfare item is the performance that the insurance company breaks the greatest trustworthiness principle in the insurance method seriously, which makes the users of the advantage strongly adds to the policy holder or inequality item, violated the legal rights of the policy holder or insured seriously, obstruct the healthy development of the insurance industry. We must take into the rules system from the lawmaking, judicatory, the administration management etc.