目 录
一、保险利益原则的概念及其成立的条件··························· 3
1、保险利益应为合法的利益······································ 3
2、保险利益为经济上有价的利益·································· 4
3、保险利益应为确定的利益······································ 4
4、保险利益应为具有利害关系的利益······························ 4
二、各类险种的保险利益········································· 5
1、财产保险的保险利益·········································· 5
2、人身保险的保险利益·········································· 5
3、责任保险的保险利益·········································· 5
4、信用保证保险的保险利益······································ 6
三、保险利益原则的作用和意义··································· 6
1、可以有效防止投机取巧，谋取不当利益的行为发生················ 6
2、保险利益原则可防止道德风险的发生···························· 6
3、界定保险人承担赔偿或给付责任的最高限额······················ 7
四、保险利益原则的效力········································· 7
1、保险利益原则的效力范围······································ 7
2、保险利益原则在财产保险中的效力······························ 7
3、保险利益原则在人身保险中的效力······························ 8
五、保险利益原则的时间效力····································· 9
1、财产保险合同的保险利益时效··································9
2、人身保险合同的保险利益时效··································9
六、保险利益原则在实践中的问题·································10
1、是否要求投保人具有保险利益的问题····························10
2、保险利益原则是否适用于健康保险合同··························11
3、人身保险合同中的受益人是否应受到某种条件的约束··············11
内 容 摘 要
[内容摘要] 保险利益是人身保险合同的客体,是人身保险合同生效的必备要件，保险利益原则是保险理论中的重要原则之一，又称“可保利益”或“可保权益”原则，本文从保险利益原则的概念及成立的条件、各类险种的保险利益、作用效力、时效以及我国保险法的在实践中存在的问题等几个方面对该原则作一探讨。
[关键词] 保险利益原则 人身保险 财产保险
