人身保险利益原则分析

Analysis of Principle of Personal Insurance Benefit

当保险合同成立后 ,保险合同不为投保人的利益而存在 ,仅仅为被保险人的利益而存在 ,在此情况下 ,仍然强调投保人对保险标的具有保险利益没有现实性 ,也不合理 ,特别是 ,投保人与被保险人不为同一人时 ,保险合同成立后 ,投保人对保险标的保险利益的丧失情况十分复杂 ,被保险人因为保险合同享有的利益不能因为投保人丧失保险利益而受影响。笔者根据具体案例 ,结合我国立法现状及国际通行做未能 ,对此作以分析。

When insurance contract comes into form, it does not exist benfiting for the insurance applicant, but only for the insurant. Under this situation, it has no reality to emphasize that insurance applicant has the insurance benefit for the object of insurance, especially, when insurance applicant and insurant are not the same person, after insurance contract comes into being, insurance applicant will lose the benefit of the object of insurance. Insurance applicants losing the insurance benefit can't influence the insurance benefit of insurant. According to the current situation of legislation in our country and methods in common use internationally, some specific cases are analyzed.