由于保险行业相关法规对保险产品销售的特殊规定，互联网保险的销售模式在合同领域存在多重法律风险，如何履行互联网保险条款的说明义务，判定网络环境下保险合同当事方因身份关系发生的法律纠纷，并正确规范格式合同相关条款的订立对于防范互联保险合同风险具有积极意义。我国应发挥工商行政部门对格式合同的制定和监督检查职能，加强金融消费者保护机制建设，促进互联网保险行业健康发展。%Due to the insurance industry related laws and regulations, special regulations on the sale of insurance products, Internet insurance sales model in the ifeld of contract exist multiple legal risks, how to perform the explanation obligation of Internet insurance clauses determine the insurance contract under the network environment when the parties because of the identity relation in the legal dispute, and the correct and standard contract format terms entered into to guard against the risk of Internet insurance contract has positive signiifcance. China should play the role of industry and commerce administrative departments to develop and supervise the format contract, strengthen the construction of ifnancial consumer protection mechanism, and promote the healthy development of the Internet insurance industry.
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