论人身保险中的代位求偿制度

On the system of subrogation in personal insurance

代位求偿制度是保险法中损害补偿原则的派生制度,是对损失补偿原则的补充和完善。在我国,代位求偿制度在人身保险立法中虽已规定,但在实践中仍存在着可行使代位求偿权的保险类型不明确和保险代位求偿权的适用范围过窄等问题,易造成"同案不同判"的现象以及被保险人双重赔偿等现象,有违于保险法中的损害补偿原则。故需要采取确定可适用代位求偿的保险类型、终局责任的确定等方式对我国保险法中的代位求偿制度进行完善。

The subrogation system is a derivative system of the principle of compensation for damages in the insurance law,and it is a supplement and improvement to the principle of compensation for losses.In our country,although the system of subrogation has been stipulated in the legislation of personal insurance,there are still some problems in practice insurance,such as the unclear insurance types and the narrow application scope of insurance subrogation,which easily lead to"different judgments in the same case"and double indemnity of the insured,and to violate the principle of damage compensation in insurance law.Therefore,it is necessary to perfect the system of subrogation in China’s insurance law by determining the types of insurance and determining the final liability.