论保险标的识别——以特殊保险合同的定性为视角

Insured object's recognition——Special insurance contracts Qualitative Perspective

保险标的识别对认定保险合同的性质具有重要意义,其主要是针对符合一定条件的特殊保险合同而言的,此条件包括:约定的保险金给付条件具有多重性;保险事故发生后,受损害的多个客体具有不同质性并有内在因果关联;保险人只对多个损害的其中之一进行保险赔偿等。保险标的识别标准包括:保险标的受到损害;投保人投保的目的;损害赔付条件或方式的特殊性。识别保险标的要正确认识保险标的与保险责任范围以及保险利益的关系。

The identification of the insured subject are of great significance to the nature of insurance contracts and the application of the rules.Insured object＇s recognition is for special insurance contract which conforms to certain conditions,these conditions include：the conditions insurance money is paid is multiple;After the insurance risk occurs,many objects are damaged and the damages which are not homogeneous have internal causal link;among many objects,the insurance compensation is only for one of them. Insured object＇s recognition standard includes：Insured object is damaged; insurance compensation can achieve the insurance object; compensation condition or way is special.Insured object＇s recognition need correct understanding the relation between insured object and the scope of insurance liability as well as insurance benefits.