| 保险代位求偿权在人身保险中的适用问题研究 |
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| 引用本文： | 胡鸿高,李磊. 保险代位求偿权在人身保险中的适用问题研究[J]. 当代法学, 2009, 0(1) |
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| 作者姓名： | 胡鸿高 李磊 |
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| 作者单位： | 复旦大学法学院; |
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| 摘 要： | 目前我国法律规定保险代位求偿权制度不适用于人身保险,该规定在理论与实践上都有较大的漏洞与问题。保险代位求偿权在人身保险中的适用应当以"损害补偿原则"为原则和依据,结合实际赔偿项目进行分析后,得出医疗费、护理费等费用赔偿遵循了完全的损害补偿原则,因此可以适用代位求偿权。其他的一些赔偿费用由于不完全符合损害赔偿原则,所以暂时不适用代位求偿权制度。
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| 关 键 词： | 代位求偿权 人身保险 保险法 |
A Study of the application of subrogation to Casualty Insurance |
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| HU Hong-gao,Li Lei. A Study of the application of subrogation to Casualty Insurance[J]. Contemporary Law Review, 2009, 0(1) |
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| Authors: | HU Hong-gao Li Lei |
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| Affiliation: | Law School;Fudan University;Shanghai;200237 |
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| Abstract: | According to the Insurance Law of PRC,subrogation could only apply to property insurance,which the author holds inappropriate.For those personal injuries caused by the third person,some items of the personal reimbursement possess the quality of pure restitution,so subrogation shall apply to this part of personal reimbursement,such as medical expanses caring fee transportation expanses and so on.And other rebursments should not apply subrogation now. |
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| Keywords: | subrogation casualty insurance insurance law |
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