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被保险人本人受领保险金是保险法的基本原则,但当保险事故发生时,若该保险的被保险人患有重病,其自身请求保险金支付在事实上可能比较困难。因此,本文在分析代理制度之本质属性及被保险人代理的意义时,试图从保险金指定代理制度中的被保险人同意的多个角度加以探讨,以求合理保障被保险人之合法权益。
The insured person’s own insurance coverage is the basic principle of the insurance law, but when the insurance accident occurs, if the insurance insured person suffers from serious illness, his own request for insurance payment may in fact be more difficult. Therefore, in the analysis of the essential attribute of the agent system and the significance of the agent of the insured, this article attempts to discuss it from multiple angles agreed upon by the insured in the system of designated insurance agent, in order to reasonably protect the legitimate rights and interests of the insured.