人身保险合同中的保险利益之我见

On the Insurance Benefit in the Contract of Life Insurance

保险利益是保险合同的核心 ,缺乏保险利益的保险合同是无效的合同。本文对人身保险合同中有关保险利益的三个问题 ,即保险利益的主体、范围以及保险利益原则的存废进行了探讨。笔者认为 ,应增加受益人为保险利益的主体 ,同时对保险利益的范围应做扩大解释 。

Insurance benefit is the core of insurance contract .The insurance contract without insurance benefit is invalid. Three problems about insurance benefit in life insurance contract are as follows:subjects and scope of insurance benefit and the reservation and abandon of the principle of insurance benefit. The beneficiary should be added to be the subject of insurance benefit, and the scope of insurance benefit should be interpreted expansively, meanwhile, the principle of insurance benefit should be reserved.