《保险法》第26条诉讼时效起算点规定的质疑

The Query About the Provisions of the Limitation Starting Point in Article 26 of the Insurance Law

保险合同属于典型的射幸合同。由此所决定,保险合同生效后保险事故发生前,保险人并不实际负有赔偿或给付保险金的义务,保险事故的发生使这种义务变为确定,但并不必然导致保险权利人保险合同上的利益受损。只有在保险人违反合同全部或部分拒赔时,被保险人或受益人的保险合同利益才受到损害,方才构成诉讼时效的起算。

Insurance contracts belonging to typical aleatory contract. After the execution of contract before the insurance accident, the insurer does not actually have the obligation of compensation or payment of the insurance benefits. Insurance accident makes such obligation determined, but does not necessarily cause a loss of insurance in- terests of the right holder on insurance contracts. Only when a breach of contract to the insurer in whole or in part of the repudiation, interests of the insured or the beneficiary of the insurance contract are subject to damage, would constitute commencement of the limitation startinz point.