论人身保险的保险利益主体范围的界定

On Scope Definition of Subject with Insurable Interest in Life Insurance

人身保险的保险利益主体范围的界定应该包括两个方面。一是以情感利益和血缘关系为标准确立人身保险利益主体范围,二是以经济利益为标准,确立人身保险利益主体范围。对人身保险的保险利益的主体范围进行进一步界定,完善保险利益的对象范围,可以避免利益的主体范围划分不明确导致的道德风险和不当得利。

The scope definition of subject with insurable interest in life insurance should include two aspects： one is taking the emo- tional benefit and the genetic connection as the standard to establish the subject scope;the other is taking the economic interests as the standard to establish the subject scope. A further definition of subject scope and perfecting the object scope of the insurance benefits may help to avoid the moral risk and undeserved benefit due to the ambiguous definition in scope subject of interest.