论我国保险利益原则在团体保险中的适用与改良【摘要】随着我国社会经济的发展，我国保险行业规模的也在逐年壮大，其中团体保险作为保险体系中重要一环，发挥着个人风险管理、企业风险管理以及社会风险管理的系列功能，但现如今我国保险法体系中利益原则部分有关团体保险的规定却略显粗糙。保险利益的范围过于狭窄，被保险人同意制度不够完善，保险利益存续时间规定不明等相关问题都阻碍团体保险的健康发展，导致了众多保险纠纷。故而本文从国内保险利益原则相关法律条文在团体保险中的适用现行状况为基点，用比较研究的方法，阐述我国保险利益原则的立法理念以及存在的缺陷，并辅以案例分析，以此剖析我国团体人身保险利益原则在具体实务中的适用问题，进而明确团体保险的价值取向和发展需求，并且针对上述两者提出相关改良建议，期望能于促进团体保险发展和完善保险利益原则法律体系有所帮助。【关键词】团体保险；保险利益原则；适用现状On the Application and Improvement of China's Insurance Interest Principles in Group Insurance[Abstract] With the development of China's social economy, the size of China's insurance industry is also growing year by year. Among them, group insurance, as an important part of the insurance system, plays a series of functions of personal risk management, enterprise risk management, and social risk management. The provisions on group insurance in the principle of interest section of the insurance law system are slightly rough. The scope of insurance benefits is too narrow, the insured's consent system is not perfect, and related issues such as the unknown duration of insurance benefits have impeded the healthy development of group insurance and led to numerous insurance disputes.Therefore, this article takes the current situation of the application of the relevant legal provisions of the domestic insurance interest principle in group insurance as the starting point, and uses a comparative research method to elaborate the legislative ideas and exis...
