保险利益概念立法之检讨——以我国《保险法》第12条为中心的研究

Review on the Legislative Concept of Benefit of Insurance-Focusing on Article 12 of Chinese Insurance Law

可保利益是保险法最基本的概念之一,但是,我国保险法理论界长期将它混同于保险利益。我国《保险法》第12条对可保利益的规定不仅内涵模糊,而且外延褊狭。应当将财产保险的可保利益界定为经济利益,同时予以适当限制;人身保险的可保利益则由两部分组成:一部分是天然的情感利益,另一部分是经济利益。

Insurable interest, one of the basic concepts in insurance law, is contused with benefit of insurance for a long time in the circle of theoreticians. The definition of the 12th Article is unclear in its intension and too narrow in its extension. The insurable interest should be defined as the economic benefit of properties while being limited. The insurable interest of life insurance consists of two benefits, one of which is natural affectional benefit and the other is economic benefit.