被保險利益에 관한 硏究
저자
발행사항
전주: 전주대학교 대학원, 1999
학위논문사항
학위논문(석사)-- 전주대학교 대학원 : 금융보험학과 1999
발행연도
1999
작성언어
한국어
주제어
DDC
332
발행국(도시)
대한민국
형태사항
89 p.; 27 cm
소장기관
This thesis aims to study on inquiry into the Conception, essence, requirements, position and recognized scope of the insurable interest in life insurance and non-life insurance. This thesis is consisted of five chapters.
In the first chapter, the purpose and a scope of the study will be explained.
In the second chapter, show the concept and essential factor of the insurance interest, the opinions of some modern authors concerning the concept and legal functions of insurable interest are investigated.
The requirement is closely related to the concept of indemnity, which all insurance contracts contain an element of insurable interest. An insurable interest is the right or relationship in regard to the subject matter(It might be a property, a life, or another interest) of the insurance contract such that the insured can suffer financial loss from damages, losses, or destructions to them. In other words, the insurable interest implies the interest to be able to insure.
In the third chapter, the position of insurable interest in property insurance, liability insurance and life insurance are stated.
In common sense, a prevalent opinion in Korea, Germany and Japan does not recognize the insurable interest in life insurance. The main background of the view is that insurable interest is the central-concept only in the insurance against loss, and that human life can not be estimated in money, and that the interest-damage concept can not be approved in life insurance.
But in this chapter, there is a danger of gambling insurance and inducement to killing the insured if the insurable interest in life insurance is not recognized. I have the opinion that it must be accepted in the light of legal policy, and I analyzed the concept of insurable interest in the insurance against property and liability insurance, in which the insurable value is not approved, and further studied the possibility of admission of insurable interest in life insurance from a theoretical point of view in connection with construction of law.
Perceiving that insurable interest in liability insurance is hard to be estimated in insurable value, this chapter construed it in broad sense such as the probable interest or indefinite on, and scrutinized the possibility of taking out such a similar concept in life insurance too. And also, if the human life value theory can be accepted in life insurance, the interest-concept contrary to loss-concept can be approved, and this chapter presented the validity of recognition of interest-loss concept in life insurance and concrete illustration.
In, the fourth chapter, the scope and limit of insurable interest are reviewed.
In the countries of intercontinental law communities the insurable interest itself has been accepted in case of the property insurance, but it has been denied in case of life insurance. The reason is that the insurance contract can be only purpose for insurance contract within the limits of the interest being able to calculate in terms of money, but the conception of the interest and loss can't be recognized in case of the life insurance nor can be evaluated the human life. In the above, no human life be evaluated nor the human life be evaluated also nor the conception of loss existed?
I already examined the above problem in Chapter 3, Section 3. Of course, I think, that it may be an open question for us to calculate the human life as value, but actually we can't help evaluating the human life in the unavoidable circumstances. Whether we decide insurance value or not could be very difficult problem, but it is considered that we'll have to regard the conception of the insurance value us the same as the amount insured because in general the life insurance is not the contract of the compensation for loss and it is the contract of money payment. Accordingly, since there can't exist the interest and loss in the human life in case of contract of life insurance and also can't be evaluated, the theory that insurable interest can't be accepted has no propriety.
If the insurable interest in the contract of life insurance would not be accepted and the only principle of consent would be applied, it can be regarded as a new legislation, in order to supplement such problems as the moral risks in the legislation of countries in law communities as mentioned above, is needed.
In the fifth chapter, the directions to which our insurance law should proceed ar suggested.
I think that it is the time when the principle of the insurable interest should be accepted in order to prevent the gambling insurance, fraud insurance and moral risks in case of contract of the life insurance and to prevent from selling and transferring the insurance securities. Therefore, 1'd like to suggest the theory of legislation for the principle of combination, with the principle of consent being mixed up with the principle of the insurable interest, which is now prevalent in the few states in America.
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