摘要随着我国经济的规模化发展，保险作为风险规避以及财富管理的重要手段，也在稳步地发展，并浸入了社会生活中的方方面面。越来越多的法律主体参与到保险合同法律关系中，也越来越多的保险法律问题不断在涌现。我国有关保险合同的法律法规也随之不断地在完善。然而，随着互联网的不断发展壮大，传统的保险法律行为越来越多地活跃于网络空间，互联网保险合同也在保险行为中占据了重要的领地，随之而产生的保险行为规范问题也在挑战和冲击传统的保险合同法律法规。例如，互联网保险合同中的投保人员面临着个人信息泄露、受保险方欺诈等，又比如保险合同中的权利义务无法详尽明确，发生法律纠纷无法确定保险合同基本信息，还比如互联网保险合同不符合保险合同强制法律规定等等。如此种种，尽待解决。本文将从保险合同的订立、生效、执行等方面着手解析保险合同的特征，再针对保险合同中的法律风险进行粗略的清点，再对发展态势迅猛的互联网保险合同的特征及法律风险进行解析，最终尝试提供规避和防范保险合同中的法律风险的措施及建议。关键词:保险合同互联网保险合同风险防范ABSTRACTWiththedevelopmentofChina'seconomy,insurance,asanimportantmeansofriskaversionandwealthmanagement,isalsodevelopingsteadilyandhasbeenimmersedinallaspectsofsociallife.Moreandmorelegalsubjectsparticipateinthelegalrelationshipofinsurancecontract,andmoreandmoreinsurancelegalproblemsareemerging.China'sinsurancecontractrelatedlawsandregulationsareconstantlyimproving.However,withthecontinuousdevelopmentoftheInternet,thetraditionalinsurancelegalactsaremoreandmoreactiveincyberspace,andInternetinsurancecontractsalsooccupyanimportantterritoryininsuranceacts.Theensuingproblemsofinsurancebehaviornormsarealsochallengingandimpactingthetraditionalinsurancecontractlawsandregulations.Forexample,theinsuredintheInternetinsurancecontractisfacedwithpersonalinformationdisclosure,fraudoftheinsuredparty,andsoon.Forexample,therightsandobligationsintheinsurancecontractcannotbespecifiedindetail,andthebasicinformationoftheinsurancecontractcannotbedeterminedintheeventoflegaldisputes.Forexample,theInternetinsurancecontractdoesnotconformtothecompulsorylegalprovisionsoftheinsurancecontract,andsoon.Alltheseproblemsneedtobesolved.Thispaperwillanalyzethecharacteristicsofinsurancecontractsfromtheaspectsoftheconclusion,effectivenessandimplementationofinsurancecontracts,andthenmakearoughinventoryofthelegalrisksininsurancecontracts,andthenmakeaanalysisoftherisksofInternetinsurancecontracts,andfinallytrytoprovidemeasuresandsuggestionstoavoidandpreventthelegalrisksininsurancecontracts.Keywords：Insurancecontract;Internetinsurancecontract;riskprevention.目录................................................................................................................................................................1.....................................................................................................................................................1.....................................................................................................................................................1.....................................................................................................................................................2....................................................................................................................................3................................................................................................................................3........
