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保险合同以关系人利益为中心进行权利配置 ,这是保险合同与一般民事合同别异其趣之处。保险法上的相应规则亦应以是否有利于被保险人利益为标准来予以设计。只有被保险人才能根据自身利益处分保险合同利益。变更受益人由被保险人的单方行为来实现的。意思自治原则是保险法的核心理念 ,变更受益人无须强行法上的过多限制 ,变更受益人的行为不能当然解释为要式行为 ,在变更通知上应采书面通知的对抗主义模式 ,而不应采取成立主义和生效主义模式。我国现行保险法关于变更受益人的相关规则应据此作出修正。
The insurance contract is based on the interests of the parties and the right allocation, which is different from the general civil contract in the insurance contract. The corresponding rules in insurance law should also be designed according to whether it is in the interest of the insured. Only the insured can dispose of the insurance contract interests according to its own interests. Change the beneficiary by the insured’s unilateral act to achieve. The principle of autonomy of will is the core concept of insurance law. To change the beneficiaries without excessive restriction of jus cogens, the act of changing the beneficiaries can not be naturally interpreted as an obligatory act, and the notice of change should be given a counter-notification mode of antagonism instead of Adopt the doctrine of establishment and validation. China’s current insurance law on the change of beneficiaries of the relevant rules should be amended accordingly.