被保险人法律地位研究

发布时间：2018-06-26 12:59

本文选题：保险法律关系 + 被保险人　；参考：《黑龙江大学》2015年博士论文

【摘要】：经考察,各国和地区保险法关于被保险人概念差异甚大,本质上是一种法律化的差异。而以保险的本质和功能观之,被保险人的基本特征不应改变,表现为两方面:一是因保险事故发生遭受损失;二是其与某一特定客体具有保险利益。有关被保险人概念的界定应该体现上述特征。学界在研究被保险人法律地位时,多以保险合同主体定位被保险人,由此出现了合同当事人与合同关系人之争。在由保险关系向保险法律关系演变过程中,保险合同只是人们加入保险制度的法律方法或手段,功能上是保险法律关系变动的法律事实,保险合同法律关系只是保险法律关系的部分内容,被保险人法律地位应定位于保险法律关系中。被保险人由风险个体嬗变而来,整个保险法的建构应以被保险人为中心,其权利义务应贯穿于保险法律关系的始终并起着决定性影响,具体配置需要从理论层面和规则层面两方面展开。理论层面用以说明权利义务配置的科学性、合理性,规则层面用以体现权利义务的具体内容。尽管如此,被保险人法律地位与现实地位的现实偏差是不容回避的事实,被保险人法律地位的实现需要公法保护以为协助。其中,最根本之举是深入实行专门化保险教育;从间接途径看,为强化保险人的说明义务可采取多种监管措施。
[Abstract]:After investigation, the insurance law of different countries and regions about insurant concept is very different, essentially is a kind of legalization difference. In view of the nature and function of insurance, the basic characteristics of the insured should not be changed in two aspects: one is the loss caused by the insurance accident, the other is that the insured has insurance interests with a specific object. The definition of the concept of insurant should reflect the above characteristics. In the study of the legal status of the insured, the academic circles often define the insured as the main body of the insurance contract, which leads to the dispute between the parties and the parties involved in the contract. In the process of evolution from insurance relationship to insurance legal relationship, insurance contract is only the legal method or means for people to join the insurance system, and the function is the legal fact of the change of insurance legal relationship. The legal relationship of insurance contract is only part of the legal relationship of insurance, and the legal status of the insured should be positioned in the legal relationship of insurance. The insurant is transmutation from the risk individual, the whole insurance law construction should take the insurant as the center, its rights and obligations should run through the insurance legal relation all the time and play the decisive influence. The concrete disposition needs to be carried out from the theoretical level and the rule level. The theoretical level is used to explain the scientific nature and rationality of the allocation of rights and obligations, and the rule level is used to reflect the specific content of rights and obligations. Nevertheless, the reality deviation between the insured's legal status and the actual status is an unavoidable fact, and the realization of the insured's legal status needs the help of public law protection. Among them, the most fundamental measure is to carry out the specialized insurance education deeply, and from the indirect way, we can take various supervision measures to strengthen the insurer's duty of explanation.
【学位授予单位】：黑龙江大学
【学位级别】：博士
【学位授予年份】：2015
【分类号】：D912.28;D922.284

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