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随着我国经济社会的发展,我国人民群众的生活水平有了大幅度的提高,财富积累也有了长足的进步,与之相伴的是人民风险防范意识的增强。而保险作为化解风险的金融产品,受到了越来越多人的青睐,保险业的发展也呈现出突飞猛进的态势,保险合同的签订量大大增加。在大量出现的保险合同纠纷中,围绕着保险利益的概念、适用范围等问题,学术界和实务界产生了较大的分歧。本文就将对保险利益这一概念,结合相关的案例进行探讨,以期对今后的类似保险合同纠纷案件的解决提供参考。
With the economic and social development in our country, the living standards of our people have been greatly improved, and the accumulation of wealth has also made great strides. Accompanied with this is the enhancement of people’s risk prevention awareness. Insurance, as a financial product that resolves risks, has been favored by more and more people. The development of the insurance industry has also shown a rapid development. The amount of insurance contracts has greatly increased. In a large number of disputes over insurance contracts, there are big differences between academics and practitioners around the concepts of insurance interests and their scope of application. This article will be the concept of insurance benefits, combined with related cases to explore, with a view to the future similar to the settlement of insurance contract disputes provide a reference.