財產保險被保險人之探討

Discussion on the Insured in Property Insurance

在保險契約中被保險人扮演相當重要之角色。隨著晚近社會經濟情況快速變遷，以及財產保險商品之逐漸多樣化，財產保險被保險人之型態亦轉趨複雜化，從而保險爭議問題一一浮現檯面，在國外已引發不少訴訟。本文之目的主要在探討財產保險被保險人之內涵，並提出各種可配合前述被保險人運作之附加條款，以期財產保險契約條款能更周全完備，並可減少日後無謂保險糾紛之發生。

The insured plays a very important role in the insurance contract. With the rapid changing socioeconomic situation and the gradual diversity of property insurance products, the types of insured parties in property insurance have become more and more complicated in recent years, which has led to many insurance disputes and lawsuits in the foreign countries. The purpose of the paper aims to discuss the connotation of the insured in property insurance contract, and provide various additional clauses which can support the operation of the aforesaid insured. It is expected the terms of property insurance contract will be more complete and accurate, and the unnecessary insurance disputes will be avoided in the future.