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一、保险合同法的立法缺陷 1.对订立保险合同的投保人进行盲目的资格限制 在我国保险合同法中,对投保人资格的限制是通过设立可保利益原则实现的。我国保险法第12条规定:投保人对保险标的应当具有保险利益。投保人对保险标的不具有保险利益的,保险合同无效。立法起草者认为,这样规定可以达到防止投保人投保任何财产和生命的目的。但这是对可保利益原则的误解,当投保人与被保险人不是同一人时,如此运用可保利益原则也是不正确的。设立可保利益原则主要是为了防止被保险人利用保险进行赌博,并降低被保险人的道德风险。在投保人与被保险人是同一人的情况下,我国要求投保人对保险标的必须具有可保利益能达到设立可保利益原则的目的。但是当投保人与被保险人不是同一人
First, the legal shortcomings of the insurance contract law 1. Blind qualification restrictions on the insured persons entering into the insurance contract In our country’s insurance contract law, the restrictions on the eligibility of the insured persons are achieved through the establishment of the insurable interest principle. Article 12 of the Insurance Law of the People’s Republic of China stipulates that the insured person shall have insurable interest in the subject matter of insurance. If the insured person does not have any insurance interest in the subject matter of the insurance, the insurance contract is invalid. In the opinion of the legislative drafters, such a regulation can achieve the goal of preventing the policyholders from insuring any property and life. However, this is a misunderstanding of the principle of insurable interest. It is also incorrect to apply the principle of insurable interest when the policy holder and the insured are not the same person. The principle of insurable interest is mainly to prevent the insured from using the insurance to gamble and to reduce the moral hazard of the insured. In the case where the policy holder and the insured person are the same person, our country requires that the insured person must have the insurable interest to the insured subject for the purpose of establishing the principle of insurable interest. But when the policy holder and the insured are not the same person