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保险利益原则是保险法的基本原则,在保险理论和实践中起着举足轻重的作用。但是,我国《保险法》对这一概念的界定却存在着缺陷。本文认为保险利益的主体应该是被保险人而不是投保人;保险利益存在的时点应该是保险事故发生时。
The principle of insurance benefits is the basic principle of insurance law and plays a decisive role in insurance theory and practice. However, there is a flaw in the definition of this concept in our Insurance Law. This paper argues that the main body of insurance benefits should be insured rather than policyholders; the existence of insurance interests should be the time when the insured incident occurred.