相对于合同法中规定的合同,保险合同是一类特殊类型的合同,除了一般原则外,合同法的一些具体规定并不适用于保险合同领域。甚至在保险合同内部,海上保险和陆上保险也有很大区别,海上保险合同还应适用海商法的规定。司法实务中认识和把握保险合同的特殊性有助于合同双方利益的衡平保护。一、主体的特殊性——保险团体集合风险、分散损失是保险业运作的基本模式,保险制度的功能是将个体可能遭遇的风险及带来的损失 Compared with the contract stipulated in the contract law, the insurance contract is a special kind of contract. Apart from the general principle, some specific provisions of the contract law do not apply to the field of insurance contract. Even within the insurance contract, marine insurance and land insurance are also very different, the maritime insurance contract should also apply the provisions of maritime law. Recognizing and grasping the particularity of the insurance contract in judicial practice helps to balance the interests of both parties in the contract. First, the particularity of the subject - the risk of the insurance group pooling, decentralized loss is the basic mode of operation of the insurance industry, the insurance system’s function is to risk the individual may encounter losses and losses