【摘要】：在我國(guó)現(xiàn)行保險(xiǎn)法中,保險(xiǎn)代位求償權(quán)被規(guī)定僅適用于財(cái)產(chǎn)保險(xiǎn),人身保險(xiǎn)中不允許代位求償,這引起了很多學(xué)者的爭(zhēng)議。而在實(shí)務(wù)中,也出現(xiàn)了很多案件的判決結(jié)果大相徑庭。在《人身?yè)p害賠償解釋》和《侵權(quán)責(zé)任法》相繼生效后,人身保險(xiǎn)中引入代位求償制度得到了進(jìn)一步的理論支持。本文結(jié)合現(xiàn)有國(guó)情對(duì)我國(guó)保險(xiǎn)法中代位求償權(quán)制度是否能夠引入人身險(xiǎn)進(jìn)行分析,指出了人身險(xiǎn)代位求償權(quán)的缺失及其原因,通過(guò)對(duì)人身險(xiǎn)中適用保險(xiǎn)代位求償權(quán)的理論和實(shí)踐探析,分別對(duì)人壽險(xiǎn)、意外傷害險(xiǎn)以及健康險(xiǎn)三大險(xiǎn)種如何適用這一制度進(jìn)行詳細(xì)論述,為我國(guó)的保險(xiǎn)立法和實(shí)踐提出了建議。第一章主要分析我國(guó)人身保險(xiǎn)代位求償權(quán)的缺失及其原因。著重對(duì)人身保險(xiǎn)不適用代位求償權(quán)的原因進(jìn)行分析,主要有以下四方面：第一,人身無(wú)價(jià),人的身體和壽命不能用金錢來(lái)衡量；第二,保險(xiǎn)法對(duì)弱者的保護(hù)；第三,損失補(bǔ)償原則是保險(xiǎn)代位求償權(quán)的基礎(chǔ)；第四,結(jié)合我國(guó)國(guó)情進(jìn)行分析。第二章結(jié)合國(guó)外經(jīng)驗(yàn)從理論和實(shí)踐兩個(gè)方面著手,深入探析人身保險(xiǎn)中可以引入保險(xiǎn)代位求償權(quán)。對(duì)于這個(gè)問(wèn)題,理論界和實(shí)務(wù)界都存在廣泛的爭(zhēng)議,我們不能完全否定哪種觀點(diǎn),筆者更為主張?jiān)诓糠秩松肀ｋU(xiǎn)中存在保險(xiǎn)代位求償權(quán)的適用余地。理論分析主要包括：人身權(quán)中財(cái)產(chǎn)性利益可轉(zhuǎn)讓、損失補(bǔ)償原則在人身保險(xiǎn)中的適用以及保險(xiǎn)人與侵權(quán)第三人的責(zé)任承擔(dān)三個(gè)方面。實(shí)踐分析主要運(yùn)用案例評(píng)析的方法,對(duì)司法實(shí)務(wù)中出現(xiàn)的分歧進(jìn)行探討。第三章筆者從人壽險(xiǎn)、意外傷害險(xiǎn)以及健康險(xiǎn)這三個(gè)人身險(xiǎn)的基本險(xiǎn)種展開(kāi)論述,分別探討保險(xiǎn)代位求償權(quán)在每一個(gè)險(xiǎn)種中是否適用,以及如何適用,較為詳細(xì)地將人身險(xiǎn)代位求償制度的具體適用作了論證。第四章結(jié)合當(dāng)前的法律環(huán)境,筆者在立法層面以及對(duì)保險(xiǎn)公司和法院如何更好地應(yīng)對(duì)這種狀況提出一些個(gè)人看法,其中法院如何采取措施是本文的新穎之處,以期通過(guò)文章的研究,能為保險(xiǎn)代位求償權(quán)在人身保險(xiǎn)中的適用推進(jìn)一小步。
[Abstract]:In the current insurance law of our country, the subrogation right of insurance is only applicable to the property insurance, and no subrogation is allowed in the life insurance, which has aroused the controversy of many scholars. But in practice, also appeared many cases the judgment result to differ greatly. After the interpretation of personal injury compensation and the Tort liability Law came into effect, the introduction of subrogation in personal insurance has been further supported by theory. This paper analyzes whether the system of subrogation right in insurance law of our country can introduce life insurance, and points out the lack of subrogation right of life insurance and its reasons. By analyzing the theory and practice of the right of subrogation in life insurance, this paper discusses in detail how to apply this system to life insurance, accident injury insurance and health insurance. Some suggestions are put forward for our country's insurance legislation and practice. The first chapter mainly analyzes the lack of subrogation right of life insurance in our country and its reasons. The reasons why life insurance does not apply to subrogation are analyzed in detail. There are four main aspects: first, the person is priceless, the person's body and life span cannot be measured with money; second, the insurance law protects the weak; third, The principle of loss compensation is the basis of insurance subrogation. In the second chapter, combined with foreign experience, the author makes a deep analysis of the right of subrogation in personal insurance. For this problem, there is a wide range of disputes in the theoretical and practical circles, we can not completely deny which point of view, the author also advocates the existence of insurance subrogation in part of life insurance. The theoretical analysis mainly includes three aspects: the transferability of property interests in personal rights, the application of the principle of compensation for losses in personal insurance, and the liability of the insurer and the third party in tort. The practical analysis mainly uses the method of case analysis to discuss the differences in judicial practice. In the third chapter, the author discusses the basic types of life insurance, accident injury insurance and health insurance, and discusses whether the subrogation right of insurance is applicable in each insurance, and how to apply it. The application of life insurance subrogation system is demonstrated in detail. The fourth chapter combines the current legal environment, the author puts forward some personal views on how to deal with this situation better for insurance companies and courts in the legislative level, among which, how the courts take measures is the novelty of this article. The purpose of this paper is to promote the application of subrogation in life insurance.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.284

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 李曉曦;保險(xiǎn)代位權(quán)的適用范圍[D];西南政法大學(xué);2012年

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本文編號(hào)：2171311