保险合同关系中被保险人利益的结构分析  

Structural Analyses on the Insured's Interest in Insurance Contract

作　　者：马天柱[1] MA TIANZHU(Law School of Liaocheng University, Liaocheng Shandong 25205)

机构地区：[1]聊城大学法学院,山东聊城252059

出　　处：《西安电子科技大学学报（社会科学版）》2017年第2期128-135,共8页Journal of Xidian University：Social Science Edition

基　　金：聊城大学博士科研基金:被保险人利益保障与保险法制的整体嬗变;321051409

摘　　要：在保险合同关系中,被保险人具有重要而特殊的地位,是保险合同利益的享有者,或者能实质性地决定这种利益的最终归属,同时也可能成为道德风险的危害对象。被保险人的合同利益就是特定危险移转与保险保障享有,事故发生后就具体化为保险赔付请求权。被保险人的这种利益具有特殊内涵形态及实现过程,对应着保险人危险承担义务的适当履行。保险保障具有无形抽象性,被保险人对于这种利益的享有会面临一些特殊障碍,在事故致损后可能遭受意外抗辩和拒赔。要合理配置缔约履约过程中的注意和信息义务,促使保险人诚信科学经营,确保被保险人危险移转目的顺利实现。In the insurance contract, the insured person has an important and special status, who enjoys the insurance contract interests, or can make a substantive decision of the final ownership, and also may become a bearer of moral hazards. The insured＇s contract interest is transfer of a specific risk and enjoyment of insurance protection. Once the accident occurs, it becomes specifically into the right of insurance claims. This kind of interest of the insured has special connotation and realizing process, which is corresponding to the insurer＇s proper performance of obligation carrying the risk. The insurance protection is featured as invisible abstraction. The insured will face some certain obstacles to the enjoyment of such benefits such as the unexpected defense and rejected claim after accident. Thus, it is of great vitality to rationally configure obligations about attention and information in order to ensure that the insured person can achieve the purpose on smooth transfer of risk.

关 键 词：保险合同 被保险人 利益 保险保障 

分 类 号：D922.284[政治法律—经济法学]