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当保险合同成立后 ,保险合同不为投保人的利益而存在 ,仅仅为被保险人的利益而存在 ,在此情况下 ,仍然强调投保人对保险标的具有保险利益没有现实性 ,也不合理 ,特别是 ,投保人与被保险人不为同一人时 ,保险合同成立后 ,投保人对保险标的保险利益的丧失情况十分复杂 ,被保险人因为保险合同享有的利益不能因为投保人丧失保险利益而受影响。笔者根据具体案例 ,结合我国立法现状及国际通行做未能 ,对此作以分析。
When the insurance contract is established, the insurance contract does not exist for the benefit of the insured, and only exists for the benefit of the insured. Under such circumstances, it is still emphasized that it is impractical and unreasonable for the insured to insure the insured, In particular, when the insured person and the insured person are not the same person, the insured person’s loss of the insurable interest in the insured subject matter after the establishment of the insurance contract is very complicated. The insured person’s interest in the insured contract can not be compensated because the insured person loses insurance benefits Affected. Based on the specific case, the author analyzes the current situation of legislation in China and the failure of international practice.