保险合同是最大诚信合同,保险人应当在订立保险合同时向投保人说明保险合同的条款内容。责任保险事故中受害人发生的必要费用,保险人应当予以赔偿。机动车第三者责任保险中别无选择地采用国家基本医疗保险标准,减轻了保险人的赔付责任、加大了投保人的风险,是不公平条款,建议在今后修改条款中予以删除,或者作为赔付方式的一种,供投保人自己选择。 Insurance contract is the largest contract of good faith, the insurer should be entered in the insurance contract to explain the provisions of the insurance contract terms. Liability insurance accident occurred in the necessary costs of the victim, the insurer should be compensated. Third-party liability insurance for motor vehicles has the indiscriminate use of the national basic medical insurance standard, which has lessened the insurer’s liability for reimbursement and increased the risk of the insured. It is an unfair term and is proposed to be deleted in future revision clauses or As a way of payment, for the insured to choose their own.