分批赔付时保险代位权的诉讼时效起算  

作　　者：沈键益 

机构地区：[1]上海对外经贸大学法学院,上海201620

出　　处：《保险职业学院学报》2020年第4期51-54,共4页Journal of Insurance Professional College

摘　　要：基于预赔付制度,保险人在理赔时通常分批次支付赔偿金。我国诉讼时效制度在相关领域的空缺,引起了该情况下诉讼时效如何起算的争议,分歧焦点在于保险人分批次履行的数笔债务是否属于同一债务的分批履行。借鉴担保法领域追偿权的审判经验,从解释论的角度出发,由于分批次的履行是基于一个总合同而非数个分合同,定性分批履行的数笔债务属于同一债务。自保险人履行最后一批赔付后起算保险代位权的诉讼时效,与诉讼时效的立法目的相符,且有利于平衡保险人和第三人之间利益。Based on the prepayment system,the insurer usually pays the indemnity in installments when settling the claim.The vacancy of the limitation of action system in relevant fields in our country has caused controversy on how to calculate the limitation of action in this case.The focus of divergence lies in whether the several debts performed by the insurer in installments belong to the same debts in installments.Learning from the trial experience of the right of recourse in the field of security law,from the point of view of hermeneutics,because the performance in batches is based on one general contract rather than several subcontracts,the several obligations in qualitative batches belong to the same obligation・The limitation of action for calculation of the insurance subrogation right commencing from the performance by the insurer of the last installment of compensation is consistent with the legislative purpose of the limitation of action and conducive to balancing the interests between the insurer and the third party.

关 键 词：保险代位 分批次 诉讼时效 同一债务 

分 类 号：D922.284[政治法律—经济法学]