What is meant by the fact that the insurance interest should be a definitive interest?

Insurance Benefits. It should be a definite interest, which means an interest that has been identified or can be determined. Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance, also known as insurable interest.

The interest of insurance arises from the economic connection between the policyholder or the insured and the subject matter of the insurance.

The insurance interest is the interest that the policyholder or the insured can insure from the insurance company, which reflects the legally recognized interest of the policyholder or the insured in the subject matter of insurance, that is, the policyholder or the insured suffers losses due to the risk accident suffered by the subject matter of insurance, and benefits because the risk accident does not occur in the subject matter of insurance.

The Insurance Law stipulates that in a property insurance contract, the damage or loss of the subject matter of insurance directly affects the economic interests of the policyholder, and the policyholder shall be deemed to have an insurable interest in the subject matter of insurance.

Interpretation of the Supreme People's Court on Several Issues Concerning the Application of the Insurance Law of the People's Republic of China (II).

Article 1 stipulates: "In property insurance, if different policyholders separately take out insurance for the same subject matter of insurance, and after the occurrence of an insured event, the people's court shall uphold the claim of the insured in accordance with the insurance contract within the scope of its insurance interests." ”

Article 2 states: "Article 2.

Life insurance policy. If the insurance contract is invalid because the policyholder does not have an insurance interest in the insured, and the policyholder claims that the insurer will refund the insurance premium after deducting the corresponding handling fee, the people's court shall support it.

The insurance interest must be a clear property right and a clear attribution, just like if you and your sister have a dispute over the property rights of a house, then your insurance interest is uncertain.

Benefits that have been identified or can be determined.

Answer: Wu Wangd

The insurance interest must be a definite interest. The insurance interest must be an interest that has been determined or can be determined, including the existing Minshan interest and expected interest.

Answer] :d 2013 edition of the textbook "Insurance Basics Imitator Bi Zhi" p92 Insurance benefits must be definite profits. The insurance interest must be an identified or ascertainable interest, both existing and expectant. Therefore, D is selected for this question.

Insurance Benefits. It must be certain and a benefit that can be realized. Interests that are only subjectively determined to exist by the policyholder, but do not exist in objective reality, should not be regarded as insurance interests.

The insurance interest determined includes the policyholder's existing interest in the subject matter of insurance and the expected interest arising from the existing interest.

Existing benefits refer to the economic benefits that the policyholder has actually obtained (such as the car purchased by the policyholder), the existing machinery and equipment and the intellectual property rights that have been obtained, etc.; Expected benefits are the future that arise from existing benefits.

Benefits that can be obtained (e.g. expected rental income from renting out the property, expected income from repairs to equipment, etc.).

The insurance interest must be legitimate, legally recognized and claimable. The benefits arising from the wrongful act shall not be treated as insurance benefits. For example, if you take out property insurance for stolen property, the insurance contract is invalid.

The insurance benefit must be an interest that can be calculated in monetary terms. An interest whose value cannot be calculated in monetary terms, and a loss that cannot be compensated in monetary terms, cannot be used as an insurance interest.

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