团体保险以其经济、简便等特点获得社会及市场的肯定。但是在团体保险的缔约过程中,保险人与投保人、被保险人之间因在缔约信息上各有优势,从而导致各方都存在一定的法律风险。虽然整体上看,投保人及被保险人受到法律的保护更多,但保险人并非占绝对优势。只有避免法律风险,排除障碍,才能更好地稳步推进团体保险市场的发展。 Group insurance is recognized by the society and the market for its economy, simplicity and other features. However, during the process of contracting of group insurance, there are some legal risks to all parties because of the advantages in information contracting between the insurer and the insured and the insured. Although, on the whole, the policyholders and the insured are protected more by law, the insurer does not have the absolute advantage. Only by avoiding legal risks and removing obstacles can the development of group insurance market be better and steadily promoted.