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学生平安险是意外伤害险的一种,是专门针对未成年学生的一种低保费、高保障的特殊险种,被保险人只需交纳几十元的保费就可以获得包括意外伤害、意外伤害医疗以及住院医疗在内的多项保障。可以说学生平安险与我们每个学生的切身利益息息相关,但据笔者了解,目前大部分的高中生对学生平安险这一险种缺乏了解,甚至连自己是否投了保都不是很清楚,直到发生法律问题后才惊慌失措。本文从投保的必要性和投保的主体两个方面介绍有关保险的法律知识,并就有关保险合同中“免责条款”的内容进行阐述,以期使高中生朋友对保险有更进一步的了解。
Student safety insurance is a type of accidental injury insurance. It is a kind of special insurance that protects underage students with a low premium and high security. Insured persons can receive accidental injuries and accidental injuries only by paying a premium of several tens of yuan. A number of safeguards including medical and inpatient care. It can be said that the student safety insurance is closely related to the immediate interests of each of our students. However, according to the author’s understanding, most high school students do not understand the insurance coverage of the student safety insurance, and even if they are insured, they are not very clear until the law occurs. After the problem was panicked. This article introduces the legal knowledge of insurance from two aspects: the necessity of insurance and the subject of insurance, and elaborates on the content of “disclaimer clause” in relevant insurance contract, so as to make high school students’ friends have a better understanding of insurance.