论受益人及其权利维度——基于海峡两岸的立法比较

Insurance Beneficiaries and Their Rights

目前，立法仅确认人身保险合同存在受益人。这样的规定必然带来困惑，即不适用于财产保险。受益人范围扩展至财产保险合同具有客观与理论上的可行性；大陆地区保险法规定受益人由被保险人或者投保人指定，但投保人指定受益人须经被保险人同意，台湾地区保险法没有该限制，被保险人或者投保人均可指定受益人。

The current Chinese law only acknowledges the existence of the beneficiary to personal insurance contracts. It is confusing that this provision does not apply to property insurance contracts. It is objectively and theoretically possible to extend the beneficiary provision to property insurance contracts. The Chinese Insurance Law prescribes that the insurance beneficiary is designated by the insured or the applicant, but the applicant＇s designation should obtain the insured＇s prior consent. In contrast, there is no such restriction in Taiwan＇s Insurance Law. Both the insured and the applicant can designate the beneficiary.