保险利益原则及其应用

保险利益既非经济利益也非关系利益更非法律利益 ,而是指可以转嫁的不确定的风险。财产保险利益以可能损害为量化标准 ,人身保险利益以合同当事人的约定为依据。保险利益的主体应当是被保险人而非投保人。保险利益原则的确立是保障保险活动健康发展的前提

Principle of Insurance Interest and Its Application

Insurance interest is neither economic benefit nor concerned interest, and let it alone, legal interest, but refers to the risk not confirmed that can be shifted. Property insurance interest takes possible damage as its quantitative standard, and life insurance interest is based on contracting parties agreement. The subject of insurance interest should be the insured but not the policy holder. The establishment of the principle of insurance interest is the prerequisite of the sound development of insurance activity.