对保单持有人的救济是保险保障基金制度最为核心的内容。从各国相关立法和理论看,保险保障基金的救济应遵循主要向个人提供救济、道德风险最小化、促进自身可持续运作等原则,在制度上合理规定救济方式、手段、范围、限额等内容。我国现有的保险保障基金救济保单持有人的相关制度应在现有规定的基础上进一步完善。 The relief to the policy holder is the core content of the insurance protection fund system. Judging from the relevant legislation and theories in various countries, the relief funds should follow the principles of providing relief to individuals, minimizing moral hazard and promoting their own sustainable operation, and rationally stipulate remedies, means, scope and quotas on a system basis. China’s existing insurance protection fund relief policy holder system should be based on the existing rules to further improve.