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由于保险法调整对象及其范围的独特性,产生了一系列与其他经济法不同的特殊原则,保险利益原则就是主要的特殊原则之一。有关保险利益的界定成为了体现保险法立法质量、实现法律实效的关键因素,而明确保险利益的主体是正确理解保险利益的前提,本文先在分析现有“保险利益主体说”的基础上提出了应该对财产保险和人身保险分别加以时效性规定,最后提出了对《保险法》第十二条第一款的修改建议。
Due to the uniqueness of the objects of the insurance law and its scope, a series of special principles differ from those of other economic laws. The principle of insurance benefits is one of the major special principles. The definition of insurance benefits has become the key factor to reflect the legislation quality of insurance law and realize the actual effect of law. However, the main body of insurance benefits is the premise of correctly understanding insurance benefits. Based on the analysis of the existing theory of insurance stakeholders, The property insurance and personal insurance should be time-bound separately, and finally the proposed amendment to the first paragraph of Article 12 of the Insurance Law.