随着经济社会的发展,格式合同作为合同的一种在各个领域内不断地被应用,同样保险业也不例外。保险格式合同在降低交易成本,使交易更为便捷和灵活的同时,也使投保人和保险人之间的利益冲突不断。本文分析了保险合同双方的利益冲突的原因,并试图平衡双方当事人的利益冲突。 With the development of economy and society, the format contract is constantly being applied in various fields as a kind of contract. The same insurance industry is no exception. Insurance format contracts reduce the transaction costs, make the transaction more convenient and flexible, but also make the conflict of interest between the insured and the insurer. This article analyzes the reasons for the conflict of interest between the two parties and tries to balance the conflicts of interest between the two parties.