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传统的保险法理论中,保险利益是保险合同的效力要件之一,保险利益原则也是保险诸原则最重要的一个。这主要是基于保险杜绝赌博行为、防范道德风险的制度设计。而随着保险实务和理论的发展,保险利益的存废也出现了争议,尤其是人身保险中保险利益的制度设计,本文着重于我国2009年新修改后的《保险法》关于人身保险保险利益之规定,从诱发道德风险的主要因素——保险金请求权入手,主张废除人身保险中关于保险利益原则的规定,仅以同意原则即可实现道德风险防范之目的。
In the traditional insurance law theory, the insurance interest is one of the essential elements of the validity of the insurance contract. The principle of insurance benefits is also the most important one of the principles of insurance. This is mainly based on the system design of insurance to stop gambling and prevent moral hazard. However, with the development of insurance practice and theory, there are also disputes over the deposit and withdrawal of insurance interests, especially the system design of insurance benefits in personal insurance. This article focuses on China’s new revised “Insurance Law” in 2009 on the interests of life insurance Provisions, starting from the moral hazard of the main factor - insurance claim to start, advocated the abolition of life insurance on the principle of insurance interests, only the principle of consent can be achieved moral hazard prevention purposes.