重大疾病保险格式合同,条款中藏匿诸多“猫腻”,主要有:赔偿标准大走样;手术规定不合实际;保险责任形同虚设;种类繁多落实难;内容条款自行改;看似便宜价更高。要真正改变这一状况,需要多方努力,诸如:适时调整现行保险法;强化保险公司诚信意识;增强投保人自我保护意识等。经过努力,重大疾病保险合同、乃至所有格式合同,才有可能逐步规范完善起来。 Major illness insurance format contract, the terms of the hide a lot of “tricky”, there are: compensation standard big aliasing; surgical regulations unrealistic; insurance liability is insignificant; difficult to implement a wide range of content; self-modification of the terms; seemingly cheaper prices higher. To truly change this situation requires various efforts, such as: timely adjustment of the current insurance law; strengthen the integrity of insurance companies awareness; enhance the self-protection of the insured and so on. After hard work, major disease insurance contracts, and even all format contracts, it is possible to gradually standardize and improve.