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人身保险投保时应注意什么问题?人身保险的保险标的价值不能用货币反映。因为人身保险的标的是人的生命或身体,无论从科学角度还是从国际保险惯例,均不能以货币单位直接标定人的身体某一部位或生命的价值。因此,人身保险采用定额保险方式,而不存在定值与不定值保险方式。人身保险中的保险金给付,事实上是一种约定给付,它不表明被保险人受伤、致残的某一部位真实的价值,也不表明人的生命的真实价值。
What should be paid attention to when personal insurance is insured? The value of life insurance insured can not be reflected in currency. Because the subject matter of life insurance is the life or body of a person, neither the scientific nor the international insurance practice can directly demarcate the value of a certain part of human body or life in monetary units. Therefore, the life insurance adopts the quota insurance method, but does not exist the fixed value and indefinite value insurance way. The payment of insurance premiums in life insurance is actually an agreed payment. It does not indicate the true value of a part of the insured person who is injured or disabled, nor does it indicate the true value of human life.