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为隐性免责条款。  最终,北京金融法院判令保险公司支付田某家属60万元猝死保险金。北京金融法院穿透保险产品实质,依法认定“众包骑手”的实际投保人地位,否定了平台与保险公司通过复杂架构转嫁风险、规避责任的行为,妥善保障了骑手群体的保险权益,维护了金融交易的实质公平。  跨平台接单猝死,保险公司能否“甩锅”?  如果说上述猝死案揭示了销售端的漏洞,那么跨平台接单引发的拒赔,则触及了此类微型保险产品更深

任编辑:王永生

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