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保险合同的主体应分为当事人主体和非当事人主体,当事人主体是指投保人和保险人,非当事人主体是指被保险人。投保人法定变更的事由应包括:(1)投保人合并或分立;(2)投保人死亡;(3)投保人解散、被依法撤销或被依法宣告破产;(4)投保人单方解除保险合同。保险人法定变更的事由应包括:(1)保险人合并或分立;(2)人寿保险合同的保险人解散、被依法撤销、被依法宣告破产。被保险人法定变更的事由应包括:(1)财产保险合同的被保险人死亡;(2)财产保险合同的被保险人对保险标的相关权益发生移转。我国现行保险法关于保险合同主体法定变更的立法缺失和粗疏,应予以补充和完善。
The main body of the insurance contract should be divided into the principal and non-principal parties, the principal refers to the insured and the insurer, and the non-principal refers to the insured. The reasons for the statutory change of the policyholder shall include: (1) the policyholders merger or division; (2) the policyholder dies; (3) the policyholder is dissolved, revoked or declared bankrupt according to law; (4) the policyholder unilaterally terminate the insurance contract . The statutory changes of the insurer should include: (1) The insurer is merged or divided; (2) The insurer of the life insurance contract is dissolved, revoked according to law, and declared bankrupt according to law. The insured person’s statutory changes should include: (1) the death of the insured person in the property insurance contract; (2) the insurant of the property insurance contract to transfer the relevant rights and interests of the insured object. The current legislation on insurance in our country lacks and neglects the legislation on the legal change of the subject of insurance contract and should be supplemented and improved.