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人身保险与财产保险相比,具有特殊性:保险标的的不可估价性;人身保险合同的保险金额具有定额性,不适用损失补偿原则。人身保险中的被保险人是指在人身保险合同中以其身体或生命为保险标的之人。由于人身保险合同标的和保险金额确定的
Compared with the property insurance, the personal insurance has its own particularity: the invaluability of the insurance subject; the insurance amount of the personal insurance contract has the quota, and the principle of compensation for loss is not applicable. The insured person in the life insurance refers to the person insured by the body or life in the life insurance contract. As the life insurance contract subject to the amount of insurance and insurance