Research On The Issue Of Personal Insurance Benefits

For the development of national economy,the insurance industry gradually becomes one of the pillars of the construction of the modern financial system.The insurance industry in our country is stride stronger from bigger.For insure the insurance running smoothly,country make law and related laws and regulations.As related to the insurance contract can be set up to prevent moral hazard of insurance core principles of legislation,the principle of insurable interest is the key points affecting the development of insurance industry.In our country,"insurance law" has some rules in personal insurance interests,mainly including who can have insurance interest,how to get life insurance benefits.However,the law still has the defects of the following three aspects:first,the insurance interest subjects,including policy-holder is too narrow,the range of influence on the speed of the development of the insurance industry and the improvement of people's security responsibility,at the same time the beneficiary in the insurance contract whether or not have an insurable interest when insurance liability happens.Second,the consent of the insured to conclude insurance contract for the insurant does not have a specific standard.Third,review for the interests of the insurance contract in insurance liability who is to bear without a clear specific provision,to examine lax consequences of insurable interest shall assume who also did not say,cause insurant to become the biggest victim of this defect.To adapt to the development of the insurance rate and the demand further,and make insurance to be better to play its role,further more to be better for the interests of the insured and the related contract to provide help.The article aiming at these problems,through the case form leads to the life insurance interest in the problems existing in the practical application process,reference of foreign experience about personal insurance interests system,combines the actual conditions of China's life insurance business insurance kinds insurance operation process,based on the relationship of personal insurance interests and insurance contract association studies,with a detailed analysis of life insurance interest,make the scope of life insurance clear,accident and health insurance liability,types,methods such as the specific problems,on the basis of reasonable reference by modifying the relevant laws and regulations to clear,refining the interest subjects,recognized standards and the liability insurance interests,enjoy an enlarged the scope of insurance interest,make policy-holder to beneficiary has an insurable interest in the insurance contract as the prerequisite conditions,at the same time in the legal regulations make more professional insurance companies insurance interest after examination and compulsory subject and fault responsibility undertaker,to protect the legitimate rights and interests better of the relatively weak party in the contract.Through modifying the insurance interests system in the current life insurance,to be better play the insurance in economic construction and participate in all aspects of the role of the national health system reform,effectively protect the legitimate rights and interests of the parties to an insurance contract.