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根据英国《2015年保险法》,保险人必须在合理期限内支付保险赔偿金;若保险人逾期支付保险赔偿,被保险人将有权要求保险人承担损害赔偿责任,该责任不仅限于保险赔偿金和利息,而是包含因逾期支付给被保险人造成的一切实际损失。我国《保险法》第二十三条规定了保险理赔时限,即情形复杂的,应当在三十日内作出核定,但在实践中可操作性不强;关于保险赔偿逾期支付的法律后果,《中华人民共和国保险法》(以下简称《保险法》)的规定与英国法类似,即保险人应当赔偿被保险人因逾期支付而受到的损失;但就损害赔偿金的计算,我国司法实践并未统一。笔者建议最高人民法院适时颁布司法解释或发布指导性案例,以便人民法院在审理案件中能够统一裁判尺度。
According to the UK Insurance Law of 2015, the insurer must pay the insurance compensation within a reasonable period of time. If the insurer pays the insurance compensation overdue, the insured person shall have the right to require the insurer to bear the liability for damages, which is not limited to insurance compensation and Interest, but contains all the actual losses due to overdue payment to the insured. Article 23 of the Insurance Law of the People’s Republic of China stipulates the time limit for insurance claims. In other words, if the circumstances are complicated, the time limit for insurance claims shall be verified within 30 days but the operability in practice is not strong. As for the legal consequences of overdue payment of insurance indemnities, Republic of China Insurance Law “(hereinafter referred to as” Insurance Law ") provisions similar to the English law, that is, the insurer should compensate the insured for overdue payment of the losses suffered; but the calculation of damages, our judicial practice is not uniform. The author suggests that the Supreme People’s Court timely promulgate judicial interpretations or issue guidance cases so that the people’s courts can unify the standards of adjudication in hearing the cases.