保险合同争议及其防范

Disputes on Insurance Contract and Their Precautions

近年来各种保险合同争议呈快速增长之势,对保险各方的利益均造成了影响,阻碍了保险业务的健康发展和保险职能的发挥。本文从理论和实践的角度对保险合同争议的特征、产生原因和消极影响进行了分析,提出了保险合同争议的防范,以寻求避免和解决保险合同争议的有效方法。

Recently, there has been a drastic increase of argumentative cases in the insurance agreements. This kind of conflictions substan-tially reduce the benefits of insurance companies and cause negative effects in the balanced development of insurance business and proper function of insurance mechanism. This article practically and theoretically analyzes the reasons and characteristics of such conflictions in insurance agreements and their negative effects in various aspects. Suggestions for preventing the controversial details in insurance agreements and the effective approaches to solve conflictions are also proposed.