论文部分内容阅读
以损失补偿原则为基础的代为补偿原则,维护了投保人和保险人的利益,但在我国新《保险法》第60-63条明确规定财产保险享有代位权,第46条却对保险代位权在人身保险中做出了笼统限制,排除其在人身保险中的适用。如今关于代位求偿权是否适用于人身保险存在争议,故本文将分别从人寿保险、健康保险、意外伤害保险来分析保险代位求偿权在人身保险中的适用性。
On the basis of the principle of compensation for loss, the principle of compensation is taken as the principle of compensation and the interests of policyholders and insurers are protected. However, in the new Insurance Law of the People’s Republic of China, Articles 60-63 clearly stipulate that property insurance shall enjoy the right of subrogation, while Article 46 of the Insurance Subrogation Life insurance made a general restriction, excluding its application in life insurance. Nowadays, it is controversial whether the right of subrogation applies to life insurance, so this article will analyze the applicability of the right of subrogation in life insurance from life insurance, health insurance and accident insurance respectively.