保险是转嫁风险的工具,当事人通过保险合同来设计、安排自己的生活,实现自己的目的,正是无数个保险合同,构筑了形形色色的保险市场。那么,保险合同有无共性?其特殊性表现在哪些方面?这完全不是逻辑问题,而是价值判断问题,直接影响到当事人的权利义务及合同的效力,无论在理论上 Insurance is a tool to shift the risk. The parties design and arrange their own life through insurance contracts to achieve their own goals. It is precisely the numerous insurance contracts that form a variety of insurance markets. So, insurance contracts have commonality? What is the specificity of performance? This is not a logical problem at all, but the value of the problem, the parties directly affect the rights and obligations and the effectiveness of the contract, both in theory