海上保险合同是一典型的赔偿合同。按照海上保险的损害赔偿原则,在保险标的的损失程度得到确认之前,被保险人是无从获得赔偿的。但由于海上保险的特点,欲在短时间内证明保险标的是全部损失还是部分损失是极其困难的。若一味地拒绝被保险人此时的求偿权,使其企业中投入的资金处于冻结状态,对其不能不说是个棘手问题。从促进海上运输和国际经济贸易发展的角度看,也终将成为一大障碍。为此, Marine insurance contract is a typical compensation contract. In accordance with the principle of damages for maritime insurance, the insured person can not obtain compensation until the degree of loss of the subject-matter insured is confirmed. However, due to the characteristics of marine insurance, it is extremely difficult to prove in short time whether the subject matter of insurance is the total loss or the partial loss. If blindly rejecting the insured’s right of compensation at this time and putting funds invested in their enterprises in a frozen state, we can not but say that it is a thorny issue. From the perspective of promoting the development of maritime transport and international economic and trade, it will eventually become a major obstacle. to this end,