保险法损失补偿原则:法理基础与规则体系——兼论中国《保险法》相关条款之完善

发布时间：2018-01-07 05:17

本文关键词：保险法损失补偿原则:法理基础与规则体系——兼论中国《保险法》相关条款之完善　出处：《中国石油大学学报(社会科学版)》2016年02期 　论文类型：期刊论文

【摘要】：保险损失补偿是保险人用集中起来的资金对危险共同体成员因保险事故所遭受的损失予以补偿,体现了财产保险制度的核心职能。在称谓与内涵上,保险人对被保险人损失的补偿是履行保险合同的保险金给付行为,在原理与制度上与民法的损害赔偿不同;在协同机制上,保险利益将实际损失限定在合法的利害关系内,保险价值与保险金额是保险人给付义务在法律与合同上的最大值;在规则体系上,超额保险、重复保险、保险竞合、保险代位等均由损失补偿原则所派生。这些概念、原理、制度共同构筑了损失补偿原则的法理基础与规则体系,确保了损失补偿原则在保险法中发挥奠基性的作用。
[Abstract]:The insurance loss compensation is the insurer with concentrated funds to compensate for the risk of community members suffered losses because of the insurance accident, embodies the core functions of property insurance system. In the title and content, the insurer to the insured losses compensation insurance payment behavior is the performance of the insurance contract, and civil law in principle and the system of damages is different; in the collaborative mechanism, insurance benefits will be the actual loss within legal relation, the value and amount of insurance is insurance payment obligations in contract law and the maximum value; in the system of rules, excess insurance, insurance, insurance, insurance subrogation by loss the principle of compensation is derived. The concept, principle, system constitutes the legal basis of the principle of compensation and the rules of the system, to ensure that the principle of indemnity in the insurance law play a fundamental Effect.

【作者单位】：中国石油大学文学院;
【基金】：青岛市社会科学规划研究项目(QDSKL150420) 中央高校基本科研业务费专项资金资助项目(15CX04050B)
【分类号】：D922.284
【正文快照】： 保险因其“分散危险、消化损失”[1]的功能,日渐成为现代国家不可或缺的重要制度。保险功能的发挥,主要在于使被保险人遭受的损失得到充分补偿,同时又不能使被保险人因保险事故的发生获得额外的利益。因此,在填补损失的过程中应遵循何种原则才符合公平正义,成为保险法上的重要

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