针对保险人利用格式条款规避保险法上的任意性规范,从而作出不利于投保人的约定之行为,多数国家在保险立法上采用了一特别条款予以规制,从而成为保险立法上的保险合同之内容控制机制之一。我国在进行《中华人民共和国保险法》第二次修订工作时,修法者应充分正视该控制条款之正当性及规范性质与功能,确立对保险约款违反任意性规范之内容控制原则,以保护广大保险消费者之权益。 For the insurer to use the format clause to circumvent the arbitrariness of the insurance law and thus to make the contract unfavorable to the policyholder, most countries adopt a special clause to regulate the insurance legislation, so as to control the content of the insurance contract in the insurance legislation One of the mechanisms. When carrying out the second revision of the “Insurance Law of the People’s Republic of China”, the law-breaker should fully consider the legitimacy and normative nature and function of the control clause and establish the content control principle that the insurance contract violates the arbitrary norms to protect the broad Insurance consumer rights.