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保险条款符合著作权保护条件主要基于两点,一是保险条款具有“文字作品”的形式;二是保险条款是“创作”的作品。从我国保险业的实践来看,我们要保护的应该是保险条款,而不应该是保险险种。保险条款的著作权受到保护以后,对其著作权的利用可以有独占、许可使用、转让、强制许可、进入公有领域等。对保险条款的著作权实行保护后,还需要解决两个问题,一个是统颁条款的问题,一个是对现有条款的处理问题。
Insurance terms in line with copyright protection conditions are mainly based on two points, first, the terms of the insurance has “writing ” form; the second is the insurance clause is “creation ” works. From the practice of insurance in our country, we should protect the insurance clause, but not insurance. After the copyright of the clauses of the insurance is protected, the use of its copyright may be monopolized, licensed, transferred, compulsorily licensed, and entered the public domain. After the protection of the copyright of the insurance clauses, two problems need to be solved, one is the issue of statutory provisions and the other is the treatment of the existing clauses.