| 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。 |
| 关键词: 损失补偿原则 保险利益 保险价值 重复保险 保险代位 |
| DOI： |
| 分类号:DF438.4 |
| 基金项目: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) |
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| The Theory Basis and Rules of the Principle of Indemnity and the Modification of Relevant Terms in the Insurance Law |
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KANG Leishan
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(College of Arts,China University of Petroleum,Qingdao,Shandong 266580,China)
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| Abstract: |
| The insurer gives the insured insurance payment imploded by all members of the danger community. This reflects the core functions of the property insurance. In principle and system, the indemnity of insurer is the behavior of performing the insurance contract, which is different from compensating losses in the civil law. In the cooperative mechanism, the actual loss is limited in lawful relationship by the insurable interest, and the insurance value and the insurance amount is the maximum obligations of the insurance payment in law and contract. In the rule system, the excess insurance, double insurance, insurance concurrence and subrogation are all derived from the principle of indemnity. These concepts, theory and rules build the insurance indemnity system, which plays the fundamental role in insurance law. |
| Key words: principle of indemnity insurable interest insurable value double insurance subrogation |
