但基于保险合同的附和性、保险专业性以及保险信息不对称的因素，有必要对保险合同中的除外条款予以控制，以达合同正义与保险业健康发展之功效。
Based on the adhesion of insurance contract , specialty of insurance , and asymmetrical information , it is necessary to contract the excluding clauses for contract justice and healthy development of insurance industry .
附和性