论人身保险的保险利益

On the Personal Insurance Interests

分析了人身保险保险利益的概念和特征,强调人身保险合同订立时,必须存在人身上的保险利益,否则合同无效。与财产保险的保险利益相比,其保险利益的范围更广泛,要求更严格。指出了各国保险立法关于人身保险保险利益的三种不同的确认原则和方法,分析利益原则、同意原则以及利益和同意兼顾的原则。我国《保险法》对人身保险保险利益的确定,采取利益主义和同意主义相结合的原则。人身保险保险利益的形式有二种情形:一是对投保人有利益关系的人;二是依投保人同意而产生的保险利益。本文旨在通过现行保险法中关于人身保险保险利益的立法研究,探索我国立法的得失,以完善我国的保险立法。

Insurance benefits is the one important problem in the personal insurance contract theory. In this paper a comprehensive analysis of the life insurance interests of the insurance concept and features that personal insurance at the conclusion of the contract, those who must exist insurance benefits, otherwise the contract null and void. Second, that national insurance legislation on the personal interests of the insurance insurance confirmed three different principles and methods of the principle of interests, interests and the principle of consent and agreed to the principle of balance. Ching＇s ＂insurance law＂ insurance benefits for life insurance identification, and agree to take the interests of the principle of combining. This paper through the existing insurance law in insurance benefits on life insurance legislation studied, explored the pros and cons of China＇s legislature, to improve our country＇s insurance legislation.