谈人身保险的可保利益

Talking about the Insured Interests of Personal Insurance

我国人身保险可保利益具有独特性:一般没有量的规定;定性采取利益主义和同意主义兼顾的折衷主义;仅针对投保人;体现于订立保险合同之时。世界各国人身保险利益定性或采取利益主义、或采取同意主义,可保利益可同时针对投保人与利益人,也可在保单有效期内自动终结。鉴于我国人身保险可保利益有关法规规定与实际操作相互矛盾,无法防范道德风险,且可保利益限制投保人的范围不利于寿险业的发展;建议我国人身保险可保利益定性采取更为合理的同意主义。

This essay analyses the specific characteristics of the insured interests of personal insurance in our country,and compares these insured interests with the pertinent regulations in other countries.The author considers that in our country there exist contradictions between the laws and regulations related to the insured interests of personal insurance and practical operation,so it is impossible to prevent moral risks.Finally,he suggests that the doctrine of agreement be adopted in the insured interests of personal insurance in our country.