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【摘要】在我国《保险法》中明确规定财产保险中保险人拥有代位求偿权，这就极大的便利了被保险人出现后的损失赔偿机制的落实，理赔效率以及后续的责任分担更加顺畅。而人身保险方面，目前没有明确的法律规定可以由保险人代位行使求偿权。而现实中，保险人代位求偿权的获得与执行，对于保险理赔的及时启动意义重大，对于最大程度的发挥保险保障功能有着特殊的意义。针对当前我国保险行业人寿保险暂时没有纳入代位求偿范围的情况，本文研究探讨在人寿保险领域引入代位求偿权的必要性，明确引入方法与制度，希望可以对这个制度的完善发展有一定作用。
【关键词】《保险法》，代位求偿权，人身保险
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[Abstract] in our country the \law\clearly stipulated in the insurance property insurance has the right of subrogation, which is greatly convenient for the insured after compensation mechanism for loss of efficiency and the subsequent implementation, claims responsibility more smoothly. And life insurance, there is no clear legal provisions can be made by the insurance subrogation right of claim. But in reality, the right of subrogation of the insurer to obtain and execution, the timely start of insurance claims of great significance, has a special significance to play the greatest degree of insurance protection function. In view of the current our country insurance industry, life insurance is not included in the scope of subrogation temporary situation, this paper study the necessity of the introduction of the right of subrogation in insurance field, the introduction of the method and system, hope to have certain effect to the system development.
[Key words]\law\the right of subrogation, insurance of the person
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目 录
一、前言 .......................................................... 1 二、保险代位求偿权概论 ............................................ 1 (一)代位求偿权的内涵及法理依据 .................................... 1 （二）我国对保险代位求偿权的现行规定 .............................. 2 (三)保险代位求偿权的作用 .......................................... 3 三、我国保险代位求偿权存在的不足及分析 ............................ 3 （一）保险代位求偿权的限制不合理 .................................. 3 1.代位求偿中第三人不得具有特殊身份 .............................. 4 2.人身保险未纳入代位求偿权 ...................................... 4 （二）保险人代位求偿权行使的诉说时效不当 .......................... 5 （三）代位求偿权有限受偿的问题 .................................... 5 四、改善保险代位求偿权并将其引入人身保险制度的建议 ................. 6 （一）人身保险中引入代位求偿权的重要性与正当性 .................... 6 1.代位求偿权与人身保险的损失补偿原则一致 ........................ 6 2.从损失补偿原则的角度探究正当性 ................................ 7 （二）人身保险代位求偿权的产生及其保险金给付 ...................... 8 1.人身保险代位求偿权的产生 ...................................... 8 2.人身保险代位求偿权的保险金给付 ................................ 9 (三)人身保险中建立代位求偿权的其他建议 ........................... 10 1.明确代位求偿权保护机制 ....................................... 10 2.确定人身保险代位求偿权的追偿范围 ............................. 10 3.人身保险代位求偿权追偿时间的限制 ............................. 10 总结 ............................................................. 11 参考文献 ......................................................... 12