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2009年新修正的《保险法》沿袭2002年《保险法》的规定,不区分人身保险的具体类型而一律排斥保险代位求偿权在人身保险中的适用。在对这一规定的立论基础提出质疑的基础上,提出人身保险有无保险代位规范之适用,应以利得禁止原则为出发点,区分损害保险与定额保险而异其适用的观点。最后,对人身保险的各具体类型有无保险人代位求偿权之适用予以分析。
The newly revised Insurance Law of 2009 follows the provisions of the Insurance Law of 2002 and excludes the application of insurance subrogation in life insurance without any distinction between the specific types of life insurance. On the basis of questioning the basis of the argument of this provision, this paper puts forward the application of the norms of insurance surrogate for life insurance, and based on the principle of profit prohibition, this article makes a distinction between insurance and fixed insurance which is different. Finally, the author analyzes the application of the insurer’s subrogation right for each specific type of life insurance.