(一)保(bao)險(xian)(xian)法(fa)律關系的(de)(de)(de)主體1,保(bao)險(xian)(xian)法(fa)律關系的(de)(de)(de)當(dang)事(shi)人(ren)(ren)(ren)※保(bao)險(xian)(xian)人(ren)(ren)(ren)根據我國保(bao)險(xian)(xian)法(fa)規定:保(bao)險(xian)(xian)人(ren)(ren)(ren)是指與投保(bao)人(ren)(ren)(ren)訂立保(bao)險(xian)(xian)合同(tong)(tong),并承(cheng)擔賠(pei)償(chang)或者給(gei)付保(bao)險(xian)(xian)金責任的(de)(de)(de)保(bao)險(xian)(xian)公司.因此,保(bao)險(xian)(xian)公司與投保(bao)人(ren)(ren)(ren)簽訂保(bao)險(xian)(xian)合同(tong)(tong)以(yi)后,即成為保(bao)險(xian)(xian)合同(tong)(tong)的(de)(de)(de)保(bao)險(xian)(xian)人(ren)(ren)(ren),即一方當(dang)事(shi)人(ren)(ren)(ren),承(cheng)擔合同(tong)(tong)所規定,在(zai)一定條件下(xia)給(gei)付保(bao)險(xian)(xian)金或承(cheng)擔賠(pei)償(chang)責任的(de)(de)(de)義務,并享有依據合同(tong)(tong)要求投保(bao)人(ren)(ren)(ren)支付保(bao)險(xian)(xian)費的(de)(de)(de)權(quan)利.
※投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)又稱(cheng)要保(bao)(bao)(bao)人(ren)(ren)(ren),是(shi)(shi)指與保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)訂(ding)立(li)保(bao)(bao)(bao)險(xian)(xian)(xian)合同,并(bing)按照保(bao)(bao)(bao)險(xian)(xian)(xian)合同負有(you)支付保(bao)(bao)(bao)險(xian)(xian)(xian)費義(yi)務的(de)人(ren)(ren)(ren).投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)可以是(shi)(shi)自然人(ren)(ren)(ren),也可以是(shi)(shi)法人(ren)(ren)(ren),與被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)可以是(shi)(shi)同一人(ren)(ren)(ren),也可以不(bu)是(shi)(shi).投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)應具(ju)備以下(xia)條(tiao)件:第(di)一:投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)對保(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)必須(xu)具(ju)有(you)保(bao)(bao)(bao)險(xian)(xian)(xian)利益(yi),否則(ze),保(bao)(bao)(bao)險(xian)(xian)(xian)合同無效.第(di)二:凡對保(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)具(ju)有(you)保(bao)(bao)(bao)險(xian)(xian)(xian)利益(yi)的(de)自然人(ren)(ren)(ren)與法人(ren)(ren)(ren),都可以就該利益(yi)向保(bao)(bao)(bao)險(xian)(xian)(xian)公司投(tou)保(bao)(bao)(bao).第(di)三:投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)負有(you)交(jiao)付保(bao)(bao)(bao)險(xian)(xian)(xian)費的(de)義(yi)務.來(lai)源：考試大
2,保(bao)險(xian)法律(lv)關系的關系人
※被(bei)(bei)保(bao)(bao)險(xian)(xian)人(ren)根據(ju)我國保(bao)(bao)險(xian)(xian)法規定,被(bei)(bei)保(bao)(bao)險(xian)(xian)人(ren)是指其財產或(huo)者人(ren)身受保(bao)(bao)險(xian)(xian)合(he)同(tong)保(bao)(bao)障(zhang),享有保(bao)(bao)險(xian)(xian)金(jin)請求權的(de)人(ren).被(bei)(bei)保(bao)(bao)險(xian)(xian)人(ren)是保(bao)(bao)險(xian)(xian)事故發生時遭受損失(shi)的(de)人(ren),也是受保(bao)(bao)險(xian)(xian)合(he)同(tong)保(bao)(bao)障(zhang)的(de)人(ren).
※受(shou)益(yi)(yi)(yi)人(ren)(人(ren)身(shen)保(bao)(bao)(bao)險合(he)同(tong)(tong)用語)根據我國保(bao)(bao)(bao)險法規定(ding):是指(zhi)人(ren)身(shen)保(bao)(bao)(bao)險合(he)同(tong)(tong)中由(you)被(bei)保(bao)(bao)(bao)險人(ren)或者投(tou)保(bao)(bao)(bao)人(ren)指(zhi)定(ding)的(de),享有(you)保(bao)(bao)(bao)險金(jin)(jin)請(qing)求(qiu)權的(de)人(ren).被(bei)保(bao)(bao)(bao)險人(ren)或投(tou)保(bao)(bao)(bao)人(ren)經被(bei)保(bao)(bao)(bao)險人(ren)同(tong)(tong)意,可以指(zhi)定(ding)任何(he)人(ren)為受(shou)益(yi)(yi)(yi)人(ren),受(shou)益(yi)(yi)(yi)人(ren)沒有(you)資格的(de)限制.受(shou)益(yi)(yi)(yi)人(ren)無償享受(shou)保(bao)(bao)(bao)險合(he)同(tong)(tong)規定(ding)的(de)利益(yi)(yi)(yi),不負交納保(bao)(bao)(bao)險費的(de)義務.保(bao)(bao)(bao)險人(ren)也無權向受(shou)益(yi)(yi)(yi)人(ren)追索保(bao)(bao)(bao)險費.受(shou)益(yi)(yi)(yi)人(ren)是享有(you)保(bao)(bao)(bao)險金(jin)(jin)請(qing)求(qiu)權的(de)人(ren).
3,保險(xian)法律關系的(de)中介人
※保(bao)(bao)(bao)險(xian)(xian)(xian)代理人(ren)(ren)(ren)(ren)《保(bao)(bao)(bao)險(xian)(xian)(xian)法》第125條規定:保(bao)(bao)(bao)險(xian)(xian)(xian)代理人(ren)(ren)(ren)(ren)是(shi)根據保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的(de)(de)委托,向保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)收(shou)取代理手續(xu)費,并在保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)授權的(de)(de)范(fan)圍內代為辦理保(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)務(wu)的(de)(de)單位(wei)或個人(ren)(ren)(ren)(ren).※保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)(ren)《保(bao)(bao)(bao)險(xian)(xian)(xian)法》第126條規定:保(bao)(bao)(bao)險(xian)(xian)(xian)經紀(ji)人(ren)(ren)(ren)(ren)是(shi)基于投保(bao)(bao)(bao)人(ren)(ren)(ren)(ren)的(de)(de)利(li)益,為投保(bao)(bao)(bao)人(ren)(ren)(ren)(ren)與保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)訂(ding)立保(bao)(bao)(bao)險(xian)(xian)(xian)合同提供(gong)中介服務(wu),并依法收(shou)取傭(yong)金的(de)(de)單位(wei)(有(you)限(xian)責任公(gong)司(si)).
(二)保(bao)險(xian)法律關系的客體―保(bao)險(xian)利益來源(yuan)：考(kao)試大
1,保險利益(yi)(yi)的(de)(de)概念(nian)與(yu)特征保險利益(yi)(yi),是指投保人或者(zhe)被保險人對(dui)保險標的(de)(de)所具有(you)的(de)(de)法律上(shang)的(de)(de)利益(yi)(yi),包括財(cai)產利益(yi)(yi)與(yu)人身(shen)利益(yi)(yi)兩個方面.保險利益(yi)(yi)的(de)(de)特征:適(shi)法性確(que)定性公益(yi)(yi)性
2,財(cai)(cai)產保(bao)(bao)(bao)險利(li)益(yi)財(cai)(cai)產保(bao)(bao)(bao)險的(de)(de)保(bao)(bao)(bao)險利(li)益(yi),是指投保(bao)(bao)(bao)人或者被保(bao)(bao)(bao)險人對保(bao)(bao)(bao)險標的(de)(de)因保(bao)(bao)(bao)險事故(gu)(gu)的(de)(de)發生以致保(bao)(bao)(bao)險標的(de)(de)的(de)(de)不(bu)安全(quan)受(shou)到(dao)損害(hai)(hai)或者因保(bao)(bao)(bao)險事故(gu)(gu)的(de)(de)不(bu)發生而免受(shou)損害(hai)(hai)所(suo)具有的(de)(de)利(li)害(hai)(hai)關系
3,人(ren)(ren)身保(bao)險利益(yi)我國《保(bao)險法(fa)》第(di)53條規(gui)定:投保(bao)人(ren)(ren)對下列人(ren)(ren)員(yuan)具(ju)(ju)有(you)保(bao)險利益(yi):(一)本人(ren)(ren);(二(er))配偶,子女,父母;(三)前項(xiang)以外與投保(bao)人(ren)(ren)有(you)撫養(yang),贍(shan)養(yang)或(huo)者扶養(yang)關系的家庭其他(ta)成員(yuan),近親屬.除前款規(gui)定外,被保(bao)險人(ren)(ren)同意投保(bao)人(ren)(ren)為其訂(ding)立合(he)同的,視(shi)為投保(bao)人(ren)(ren)對被保(bao)險人(ren)(ren)具(ju)(ju)有(you)保(bao)險利益(yi).
(三)保險法律關系的內(nei)容
――保(bao)(bao)險(xian)權利與(yu)保(bao)(bao)險(xian)義(yi)(yi)務1,投保(bao)(bao)人義(yi)(yi)務交納保(bao)(bao)險(xian)費保(bao)(bao)險(xian)事(shi)故(gu)的(de)通知2,保(bao)(bao)險(xian)人的(de)義(yi)(yi)務保(bao)(bao)險(xian)人的(de)給付義(yi)(yi)務
