浅析保险代位权应在社会保险中运用

社会保险的保险标的是人而不是物,社会公共机构通过医疗保险、工伤保险、生育保险、失业保险及养老保险等几个方面为人的身体、健康、生命提供保障服务。由此可见,社会保险囊括在人身保险范畴里面。那么,要证明保险代位权应在社会保险中运用首先要分析保险代位权在人身保险中的运用。我国目前保险代位权仅在财产保险中运用,适用范围狭小,与国际保险法惯例不适应。扩大保险代位权适用范围,既可以和国际接轨又可以提高其完备性。

Analysis on Application of Insurance Subrogation in Social Insurance

The insurance subject of social insurance is the people,but not objects.Social public institutions provide security service for body,health and life of people through the medical insurance,industrial injury insurance,birth insurance,unemployment insurance and pension insurance,etc.This means that the social insurance is included in person insurance category.So,for the analysis about the application of insurance subrogation in social insurance,it should be firstly analyzed in life insurance.The analysis about the application of insurance subrogation in property insurance of China is narrow scoped,and does not adapt the international insurance law practice.By expanding the applicable scope of insurance subrogation,it can be align with international insurance law practice,and more perfect as well.