【裁判要旨】在通过网络方式订立保险合同过程中,保险公司工作人员经常代投保人在网上激活保险卡进而签订保险合同。对此,保险公司一般主张代为激活行为属于代理行为,保险公司工作人员作为投保人的代理人,在激活过程中知晓并同意的免责条款,不论投保人是否实际知悉,对投保人亦有效。法院认为,由于保险公司工作人员作为公司代表的特别身份,在与投保人订立保险合同的过程中,只存在保险人与投保人的双方法律关系,而不存在保险人、投保 Key points of the referee In the process of establishing the insurance contract through the internet, the insurance company staff often activate the insurance card on behalf of the insured person on the internet to sign the insurance contract. In this regard, the insurance company generally advocates acting on behalf of the act of acting as an agent, insurance company staff as an insured agent, in the activation process to know and agree to the exemption clause, regardless of whether the actual knowledge of the insured, the insured person is also valid. The court held that as the insurance company staff as the company’s special identity, in the process of the insurance contract with the policyholder, there is only legal relationship between the insurer and the insured person, and there is no insurer, insured