损失补偿原则

损失补偿原则是海上保险法的基本原则之一，是贯穿整个海上保险法的灵魂。

Principle of indemnity is the foremost principle of marine insurance law which threads through the whole marine insurance legal system .

保险法中，法律基于损失补偿原则设立了代位与委付法律制度，重在保护保险人的利益，而不至于使被保险人获得超出其实际损失的赔偿。

In the law of insurance , the system of subrogation and abandonment has been set up according to the principle of indemnity , aiming at protecting insurance company 's benefit from paying more than actual loss .

B.民法中的公平原则与保险法中的损失补偿原则是奠定保险代位求偿权制度的两大基石；保险人依法可向负有民事赔偿责任的第三者请求赔偿。

The insurer can claim damages from the third party of civil liability . B. The fair principle in civil law and the damage compensation principle in insurance law lay good foundations for the system of the right .

最后，保险代位是对损失补偿原则的贯彻。

Finally , it is the embodiment of indemnity principle .

第三部分对损失补偿原则所派生出的保险代位作了介绍。保险代位可以分为权利代位和物上代位。

Part three explores the right of subrogation and abandonment .

笔者了解到，在保险案件中，有很大一部分案例涉及到损失补偿原则，而其中涉及到该原则是否适用于人身保险这一问题的也不为少数。

The author has known that there is much insurance case about the principle of compensation .

作为保险制度的理论基础，损失补偿原则具有防范道德风险，避免不当得利的社会效应。

As basic theory of insurance system , principle of indemnity can prevent moral hazard and avoid unjust enrichment .

商业医疗保险合同中引发的纠纷，目前的主要争论焦点在于商业医疗保险是否适用损失补偿原则和是否享有代位追偿权。

Recently , most disputes caused by commercial health insurance contracts come from the application of principle of indemnity and subrogation .

通过以上研究，本文认为，损失补偿原则是海上保险合同的首要原则。

Based on above researches , this paper argues that principle of indemnity is the foremost principle of marine insurance law .

保险因其补偿性而生，损失补偿原则是保险法最基本的原则之一。

The principle of compensation is one of the most basic principles of insurance law , the insurance exist due to compensatory .

保险代位求偿权是保险损失补偿原则的派生产物、兼顾了民法公平原则。

Insurance Subrogation is the derivative product of the principle of compensation for insured losses both with the civil law principle of fairness .

保险代位求偿权是一种权利上代位权，与物上代位权都是保险的损失补偿原则的派生权利。

Insurance subrogation is a right of subrogation , and on the right of subrogation is insurance loss compensation principles of derived rights .

损失补偿原则是保险法中的一项重要制度，目前各国保险立法都对其给与普遍的确认。

The principle of compensation is one important system of the insurance law . And the insurance legislation of every country has affirmed it .

在理论基础上，代位求偿权的本质根源于民法学中的公平原则，保险法学中的损失补偿原则。

Based on the theory , the nature of subrogation is rooted in the principle of fairness in the civil law and the compensation principle in the insurance law .

由于中国保险法律对于损失补偿原则是否适用于人身保险的相关问题没有明确规定，而且理论界对其争议也颇多，这就决定了研究该课题的理论意义。

Because the insurance laws in China are not explicitly stipulated in the question of whether the life insurance applies to the principle . And there are controversies in the theory horizon .

第二章阐述了损失补偿原则、重复保险的基本内容，并对我国保险法对重复保险的规定进行了分析，为本文的后续分析奠定理论基础。

Chapter ⅱ described the loss of principle , to repeat the basic elements of insurance and insurance law of our country duplicate insurance analyzed for follow-up analysis of this article lay the theoretical basis .

在实务中，财产保险适用损失补偿原则是毋庸置疑的，但是该原则是否适用于人身保险却一直是保险法中的热点问题。

In the insurance affairs practice , it is undoubted that property insurance applies to the principle of compensation . But it is a hot issue whether the life insurance applies to the principle , too .

本部分从保险代位求偿权的价值分析入手，分析了保险代位求偿权的运作原理是由保险法上的依据损失补偿原则和民法上的依据公平原则共同架构起来的。

This section begain with the value of analysis of the insurance subrogation . It analysis the operation of the principle of insurance subrogation is based on the insurance law , the principle of compensation and civil law , the principle of equity .

损失补偿原则除了与海上保险法其它原则（尤其是可保利益原则）密切相关外，还衍生出代位、委付、重复保险与分摊等规则。

In addition to close relevance it bears to other principles of marine insurance law , especially principle of insurable interest , principle of indemnity is also the foundation of many important rules such as the rule of subrogation , abandonment , double insurance and contribution .

最大诚信原则、保险利益原则、损失补偿原则、近因原则适用于出口信用保险，并在此基础上着重论述了出口信用保险之特殊原则，即风险共担原则；

It firstly expounds basic insurance principles : principle of maximum credit , principle of insurance profit , principle of loss compensation ; Principle of immediate cause suits export credit insurance , it emphasizes the special principle of export credit , that is principle of risk partaking ;

损失补偿原则是指在补偿性的保险合同中，当保险事故发生造成保险标的或被保险人损失时，保险人给予被保险人的赔偿数额，不能超过被保险人所遭受的经济损失。

Loss compensation principle is to show the insurance contract that amending a gender is medium , when insurance accident happening causes insurance symptom or when insurant loss , the underwriter gives the compensation of insurant number , cannot exceed the pecuniary loss that insurant place suffers .

第三章为非财产权损失行政补偿的基本原则。

Therefore , making certain the basic principles of administrative compensation of non-property right loss is extremely important .

保险代位求偿制度是确保被保险人得到及时损失补偿后，防止被保险人因为拥有双向索赔权利后而不当得利，贯彻保险损失补偿原则的一项基本制度。

Insurance subrogation system is to ensure that the insured loss compensation in time , prevent the insured with bidirectional claim and unjust enrichment , implement the insurance loss compensation principle is a basic system .