According to the provisions of the Insurance Act, the policyholder does not have an insurable intere

The policyholder has an insurance interest in the following persons:

a) Personally; (2) Spouses, children, and parents; (3) Other members of the family who have a relationship of support, support or support with the insured other than those mentioned in the preceding paragraph; (4) Have a labor relationship with the policyholder.

Laborer. In addition to the provisions of the preceding paragraph, if the insured agrees to the policyholder to conclude a contract for him, the policyholder shall be deemed to have an insurance interest in the insured. If the policyholder does not have an insurance interest in the insured at the time of the conclusion of the contract, the contract shall be invalid. This article is about the Insurance Act.

A very important system in the law is the provision of insurance benefits. Due to the large number of insureds in group insurance business in insurance practice, it is very difficult to require each insured to sign in writing and agree to the employer's insurance for them. Therefore, "workers who have an employment relationship with the policyholder" has been added to the statutory insurance benefits section to solve the legal difficulties in group insurance practice.

Of course, organizations such as associations can also purchase group insurance for their members, but the new insurance law does not include it in the scope of statutory insurance interests, resulting in legal difficulties in the development of related businesses. Some people believe that China is adopting the principle of interest-ism, and that paragraph 3 of Article 31 is only a supplement to the four statutory insurance interests in paragraph 2. There are also those who believe that China adopts the principle of combining interestism and consent, and that paragraph 2 of Article 21 is interest-based and paragraph 3 is consent-ism.

The development of the industry. The provisions of paragraph 4 of Article 31 are in line with the relevant content of Article 12 and deal with the issue of the point in time when the benefits of life insurance will take effect. The relevant regulations require the insurance company to underwrite that if the insurance company is negligent and underwrites the relevant business, if the relevant adverse consequences arise as a result, the insurance company will bear the corresponding tort liability.

This is carried out in accordance with the policy of the state.

Answer] :d China's Insurance Law stipulates that the policyholder has an insurance interest in the following persons: I; spouse, children, parents; Other members and close relatives of families other than those mentioned in the preceding paragraph who have a relationship of support, support or support with the policyholder; Those who have an employment relationship with the policyholder.

Answer] :d This question examines the principles and specific forms of recognition of life insurance interests in China's insurance law.

China's current "Insurance Law" adopts the principle of balancing interests and consent for the recognition of life insurance interests. China's "Insurance Law" stipulates: the person, spouse, children, parents; Other family members and close relatives who have a relationship of support, support or support with the policyholder; Workers who have an employment relationship with the insured; If the insured agrees that the policyholder enters into a contract for him, it shall be deemed prudent and skillful to assume that the policyholder has an insurance interest in the insured.

The policyholder does not have an insurance interest in the ex-wife.

The ABC argument may have an insurable interest, and the D argument is a distraction, and the policyholder may not have an insurable interest in the ex-wife.

Insurance interest refers to the interest that the policyholder has in the subject matter of insurance. That is, the policyholder enjoys benefits due to the existence of the subject matter of insurance, and suffers losses due to the loss or damage of the subject matter of insurance. The policyholder shall have an insurance interest in the subject matter of insurance, and if it does not have an insurance interest, the insurance contract shall be invalid.

That is, the insurance interest is an element of the validity of the insurance contract. If the policyholder has no insurance interest in the subject matter of insurance, then the insured object will not only not suffer losses due to the occurrence of the insured event, but will obtain benefits due to insurance compensation. Therefore, it is stupid that the policyholder will not actively prevent the occurrence of the insured accident, but hopes, promotes, and even makes the insurance accident difficult to create the insurance accident.

The purpose of the policyholder is to have an insurable interest in the subject matter of the insurance to prevent the occurrence of unethical behavior in order to defraud the insurance money.

In property insurance, it is relatively easy to determine whether the policyholder has an insurable interest in the subject matter of insurance according to the ownership, possession or other rights of the policyholder. For life insurance, it is not easy to judge whether the policyholder has an insurance interest in the insured.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The policyholder has an insurable interest in the following persons:1Myself; Omen staring 2

spouse, children, parents; 3.Other family members and close relatives who have a relationship of support, support or support with the insured person other than those mentioned in the preceding paragraph; 4.Workers who have an employment relationship with the insured;

In addition to the provisions of the preceding paragraph, if the insured agrees to the policyholder to conclude a contract for him, it shall be deemed that the policyholder has an insurance interest in the insured. If the policyholder does not have an insurance interest in the liquid and the insured at the time of conclusion of the contract, the contract shall be invalid.