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通过保险合同的订立履行,被保险人获得保险保障这一特殊的合同利益。保险保障这种利益具有特殊的内涵形态及实现过程,具有保障确定有效、保障范围充分、保障期限扩展三个方面的特殊规定性和相应规则要求。应根据保险交易特点与保险合同本质,通过设置特定权义规则与责任机制,来确保被保险人保险保障的有效获得与维持。
Through the fulfillment of the insurance contract, the insured obtains the special contract benefit of insurance protection. This kind of interest has special connotation and its realization process. It has the special regulations and the corresponding rules in three aspects: guaranteeing the validity of the guarantee, ensuring the scope of the guarantee and extending the guarantee period. According to the characteristics of insurance transactions and the nature of the insurance contract, we should ensure the effective acquisition and maintenance of the insured’s insurance coverage by setting specific rules of rights and responsibilities.