被保险人概念之重述

发布时间：2019-02-25 14:43

【摘要】：受《保险法》第12条被保险人定义条款的影响,学界对被保险人的认知出现了分歧,一说认为被保险人是保险合同当事人,一说认为被保险人是保险合同关系人,从而影响了被保险人权利义务配置的研究。被保险人的科学涵义应来自于对保险制度本质的深刻认识,它与保险保障功能有着密不可分的联系。以保险的本质和功能检视,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。此外,在界定被保险人时需要调整分析工具,保险合同只是人们加入保险制度所使用的法律方法或手段,保险关系经由保险法调整后形成的是保险法律关系,而非保险合同法律关系,被保险人应为保险法律关系主体的重要组成。由此可知,被保险人
[Abstract]:Influenced by the definition clause of Article 12 of the Insurance Law, the academic circles have different opinions on the insured. One says that the insured is the party to the insurance contract, and the other is that the insured is the relation person of the insurance contract. Thus affecting the insurant rights and obligations of the allocation of research. The scientific meaning of the insured comes from a deep understanding of the essence of the insurance system, which is inextricably linked with the function of insurance protection. In terms 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 an insurance interest with a particular object. In addition, when defining the insured, it is necessary to adjust the analytical tools, and the insurance contract is only the legal method or means used by people to join the insurance system. The insurance relationship is formed by the adjustment of the insurance law, and the insurance legal relationship is formed by the adjustment of the insurance law. But not the legal relationship of insurance contract, the insured should be an important component of the subject of insurance legal relationship. It can be seen that the insured
【作者单位】：哈尔滨工业大学法学院;
【基金】：教育部人文社科项目(15YJC820059) 黑龙江省哲学社会科学研究规划项目(14E006) 哈尔滨工业大学人文社会科学研究资助计划项目(HIT.HSS.201527)
【分类号】：D922.284

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