本书以保险法的人文精神为主线，在具体个案或具体法律问题的论述之中表达保险法的人文精神，关注入的生存、尊严与幸福。本书主要从分析具体案件着手，分析了保单未附保险条款的法律后果、借用身份证投保的法律关系、受益人变更的法律效果等；在制度构建方面，本书深刻论述了疫苗不良反应损害救济制度、铁路旅客意外伤害保险制度、环境责任保险制度等涉及群众切身利益的保险制度；同时，从保险营销、保险产品创新、保险服务保障、保险利益认定、保险理赔等角度对这些制度的贯彻与履行也进行了有益的探讨。This book mainly focuses on the humanistic spirit of Insurance Law and discusses the humanistic spirit of Insurance Law based on specific cases and legal questions so as to pay close attention to human's survival, dignity and happiness. From specific cases, the book analyzes the legal consequence of insurance policy without insurance clause and the legal relation of insuring with borrowed identification card, legal effect of the change of beneficiary and so on. In terms of system establishment, this book deeply discusses about the damage compensation system for untoward effect of vaccine, accident insurance system for railway passengers, system for environmental liability insurance and other insurance systems that affect the interests of the people. Meanwhile, it also discusses about the implementation and performance of the law from aspects of insurance marketing, innovation of insurance products, service assurance of insurance, affirmation of insured interest, settlement of insurance claim, etc..