保险合同属于保险产品的范畴,保险合同行为是投保人或者被保险人与保险人之间的民事法律行为,保险合同纠纷属于平等主体间的民事纠纷。从职责和权限上讲。保险监管机关不能直接干预保险合同行为,也不能干预保险合同纠纷的解决。但实践中,保险产 The insurance contract belongs to the category of insurance products. The insurance contract acts as the civil legal act between the insured or the insured and the insurer. The insurance contract dispute belongs to civil disputes between equal subjects. Speaking of responsibilities and authorities. Insurance regulatory agencies can not directly interfere in insurance contracts, nor can they intervene in the settlement of insurance contract disputes. But in practice, insurance production