复保险与保险竟合制度是在保险的损失补偿原则下 ,为了防止被保险人获得实际损失以外的赔偿 ,而引申出来的两项制度。复保险具体存在于保险标的价值可以确定的损失填补类保险中 ;保险竟合具体存在于保险标的价值无从确定的损失填补类保险之中。一旦构成复保险或者保险竟合 ,各保险人承担赔偿责任的方式是有明显区别的 The system of complex insurance and insurance is a system derived from the principle of compensation for loss of insurance under the principle of compensation for the insured to obtain compensation other than actual loss. Specifically, the complex insurance exists in the insurance of loss-filled insurance whose value can be determined; the insurance actually exists in the indemnity insurance without any definite loss. Once the composition of the complex insurance or insurance actually together, the insurer to assume liability is significantly different ways