论保险法上的损失补偿原则  

On the principle of indemnity of the Insurance Law

作　　者：姜南[1] 

机构地区：[1]河北经贸大学法学院,河北石家庄050061

出　　处：《保险研究》2008年第3期85-88,共4页Insurance Studies

摘　　要：作为保险制度的理论基石,损失补偿原则是指保险事故发生使被保险人遭受损失时,保险人必须在保险责任范围内对被保险人所受的损失进行补偿。学术界对损失补偿原则的适用范围存在争议,为求逻辑上周延,损失补偿原则以适用损失补偿合同为宜。从功能上分析,损失补偿原则具有遏制赌博、防范道德风险、禁止不当得利等社会功效。As the cornerstone of the insurance system, the principle of indemnity means that when an insured event takes place and the insured suffers a loss, the underwriter is obliged to make indemnity for the loss within the scope of coverage under the insurance contract. There are arguments on the scope of application of the indemnity principle. For the purpose of logic extension, the principle of indemnity should only apply to the contract of insurance against loss. From the function perspective, the principle of indemnity has the social effect of preventing gambling and moral risks and unjustifiable profitmaking.

关 键 词：保险合同 损失补偿 适用范围 

分 类 号：D992.284[政治法律—国际法学]